Short answer
How rate, LTV, and reserves change when the property is not your home.
Investment refis carry pricing add-ons — typically higher rate and lower max LTV — because occupancy risk is higher.
Investment property adjustments
Investment refis carry pricing add-ons — typically higher rate and lower max LTV — because occupancy risk is higher.
DSCR as an option
DSCR loans qualify off the property's rent, not your personal income. This is popular with investors who own multiple doors.
Key takeaways
- Expect stricter terms than primary-home refis.
- DSCR is a strong alternative.
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Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.