DSCR Calculator for Refinance
Evaluate refinance readiness by comparing your current loan against proposed new terms. See how a refinance impacts DSCR, cash flow, and potential cash-out proceeds.
Current Loan (optional)
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Proposed Refinance Terms
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Requested refinance amount (larger than current balance for cash-out)
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For LTV calculation
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Refinance DSCR
Enter NOI and proposed loan terms to evaluate refinance
This calculator shows one property.
Cai shows your entire portfolio.
BubbleGum BI monitors DSCR and loan maturity dates across your entire portfolio — alerting you when properties become refinance-ready.
Schedule a DemoFrequently Asked Questions
What DSCR is needed to refinance a multifamily loan?
Agency lenders typically require 1.20x-1.25x DSCR. Cash-out refinances generally have stricter requirements than rate-and-term refinances.
When should I refinance my multifamily property?
Consider refinancing when rates drop below your current rate, when approaching loan maturity, when transitioning from bridge to permanent financing, or when increased NOI supports a cash-out refi.
What is the difference between rate-and-term and cash-out refinance?
Rate-and-term replaces your existing loan with new terms without extracting equity. Cash-out provides a larger loan and returns the difference. Cash-out refinances typically require higher DSCR and lower LTV.
How does NOI growth affect refinance eligibility?
Higher NOI directly improves DSCR. Value-add investors often target refinance after stabilization when NOI has increased enough to support a larger loan amount.