Foreign National Cash-Out Refinance
Access equity from eligible U.S. rental property.
A business-purpose Foreign National DSCR cash-out refinance may help eligible investors reposition capital while keeping the subject property non-owner-occupied.
Cash-out strategy
Equity access is shaped by the complete property and transaction review.
Available proceeds depend on value, current liens, property cash flow, requested loan amount, property type, market conditions, ownership history, and applicable state and underwriting requirements.
Confirm value and payoff
Start with a realistic property value and accurate current mortgage payoff.
Review the requested new balance
The mortgage desk reviews the current lien, requested proceeds, resulting loan amount, property value, and property cash flow together.
Document the business purpose
Explain the intended business-purpose use of proceeds and keep supporting ownership, payoff, property, and asset records available.
Refinance documentation
Prepare the property and ownership history.
A refinance review may require the current appraisal occupancy condition, lease documentation, rent analysis, mortgage history, title, entity records, and evidence of reserves.
- Current mortgage statement and payoff information
- Lease or rental-performance documents when applicable
- Property insurance, taxes, and association dues
- Asset verification and reserve evidence
- Ownership and entity documentation
- Explanation of intended business-purpose use of proceeds
How proceeds are reviewed
Requested proceeds are reviewed against the property value, existing liens, resulting loan amount, property cash flow, title and ownership history, state requirements, and current program availability. The mortgage desk confirms the applicable proceeds limits after reviewing the complete scenario.
Foreign National Mortgage USA
Estimate an eligible cash-out path.
Share the estimated property value, current mortgage balance, requested cash out, monthly rent, and property state for a focused review.
Business-Purpose Investment Financing
This website presents financing intended for eligible non-owner-occupied U.S. investment properties and business purposes only. The subject property may not be occupied by the borrower or the borrower’s family when prohibited by the applicable program, and loan proceeds may not be used for personal, family, or household purposes. View the Business-Purpose Disclosure.
Program availability, occupancy requirements, loan terms, and eligibility are subject to underwriting guidelines, property review, state restrictions, and lender approval.
© 2026 Foreign National Mortgage USA. FFC Mortgage Corp. dba NonQM123, NMLS #3252. Equal Housing Lender. All loan programs, rates, terms, and eligibility requirements are subject to change without notice and are subject to credit review when applicable, property review, underwriting guidelines, and applicable state restrictions. Not all applicants or properties will qualify. This website does not constitute a commitment to lend.
Any rates, payments, loan amounts, LTVs, DSCR figures, or examples shown are for illustrative purposes only and are not guaranteed. Actual terms depend on the complete loan scenario and underwriting approval.