Refinance Your Investment Property with Confidence

Unlock Equity. Boost Cash Flow. Strengthen Your Portfolio.

At Innovative Mortgage Brokers, we help real estate investors throughout Pennsylvania and Florida make smart, strategic refinancing decisions. Whether you’re looking to access equity, lower your monthly payments, or reposition debt for future acquisitions, our tailored mortgage solutions can help you get more from your investment properties.

We know investment financing isn’t one-size-fits-all, especially when your goals are long-term growth and passive income. That’s why we work with over 30 lenders to give you access to competitive refinance options built for investors.

Why Refinance an Investment Property?

Refinancing an investment property can serve a number of purposes depending on your financial goals and current market conditions. Here are the most common reasons investors choose to refinance:

1. Access Equity for Other Investments

As property values increase, so does your equity. Cash-out refinancing allows you to tap into that equity to:

  • Purchase additional rental properties
  • Renovate existing units to increase rent
  • Consolidate higher-interest debt
  • Fund business or personal investments

2. Lower Your Monthly Mortgage Payments

If you locked in a higher rate when you bought the property, you may be able to refinance into a lower rate or longer term to reduce monthly obligations and improve cash flow.

3. Switch to a Fixed-Rate Mortgage

Some investors begin with an adjustable-rate mortgage (ARM) to get a lower initial rate. If you’re concerned about future rate hikes, refinancing into a fixed-rate loan can offer more predictable payments.

4. Restructure Ownership or Loan Terms

Refinancing can allow you to:

  • Remove a co-borrower
  • Shift from a personal loan to an LLC
  • Adjust amortization for long-term cash flow strategy

What Loan Options Are Available?

We offer a wide range of refinance loan programs for investors, including:

Conventional Investment Property Loans

Backed by Fannie Mae and Freddie Mac, these programs often require full income documentation and solid credit but can offer competitive rates for qualifying investors.

DSCR (Debt-Service Coverage Ratio) Loans

These no-income-verification loans are based on the property’s rental income, not your personal employment or tax returns. Ideal for full-time investors or self-employed borrowers.

Bank Statement Loans

For borrowers who can’t document income the traditional way, we can use personal or business bank statements to show qualifying cash flow.

Cash-Out Refinance Options

Turn built-up equity into working capital. We help structure cash-out refinances that make sense for your overall strategy.

What Do Lenders Look For in Investment Property Refinancing?

Underwriting for investment property refinancing is different from a primary residence. Lenders will typically evaluate:

  • Loan-to-Value Ratio (LTV): Most lenders allow up to 75% LTV for 1–4 unit investment properties, though guidelines vary by program.
  • Property Condition: The property must meet basic livability and condition standards.
  • Rental Income: DSCR loans focus on how well the property can support the loan with existing rent, while traditional loans require full income analysis.
  • Credit Profile: A strong credit score can give you access to better terms, but alternative documentation options may be available even if your credit isn’t perfect.

Why Work with Innovative Mortgage Brokers?

When refinancing investment properties, experience and lender access matter. Here’s what sets us apart:

✅ Investor-Focused Expertise

We understand the investor mindset. Whether you’re building a portfolio of long-term rentals or managing multiple short-term rentals, we tailor solutions to your goals.

✅ Access to 30+ Lenders

We shop multiple lenders and programs so you don’t have to. From traditional options to DSCR and Non-QM loans, we find the right fit for your deal.

✅ Streamlined Process

Our technology, lender relationships, and experience help you refinance faster and more efficiently. We focus on communication, transparency, and proactive guidance.

✅ Local Knowledge

As a mortgage broker licensed in Pennsylvania and Florida, we know the regional market conditions and how to navigate zoning, appraisal, and investor-specific challenges in each area.

Is Now the Right Time to Refinance?

With interest rates fluctuating and property values changing, now may be the right time to run the numbers. Even small improvements in your rate or terms can make a big impact on monthly cash flow and overall ROI.

We offer a no-obligation consultation to walk through your refinance goals, help you understand your options, and build a personalized strategy that supports your long-term investing success.

Let’s Talk About Your Investment Property

If you’re considering refinancing a rental property in Pennsylvania or Florida, we’re here to help. Whether you own one property or an entire portfolio, we’ll help you navigate your options and choose a path that fits your strategy.

Contact us today to schedule a consultation or start your application online.

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