Exit Strategies Playbook · Play 4 of 4
The gold-standard DSCR exit
The property is stabilized, the rehab is done, rents are flowing, and credit is solid. The gold-standard DSCR exit locks in permanent 30-year fixed financing — rates starting in the high 5’s with zero prepayment penalty — moving from application to closing in under 10 days.
Definitions
What each term means, plainly.
- Gold-standard DSCR exit
The permanent-financing refinance for a stabilized investment property: a 30-year fixed DSCR loan.
It is the end state of a value-add or bridge strategy — the exit from short-term debt into financing built for ongoing rental ownership.
- Stabilized property
Rehab complete, rents flowing: the property is operating as the rental it was repositioned to be.
- Terms described in the playbook
Rates starting in the high 5’s, zero prepayment penalty, and the industry’s lowest lender fees, with application-to-closing in under 10 days.
- DSCR qualification basis
Qualification is based on the property’s rental income — never personal income documents. No tax returns, W-2s, or pay stubs are required.
Comparison
Gold-standard DSCR exit against the alternatives
A starting framework, not a rate sheet. Final eligibility, leverage, documentation, and terms depend on the complete loan scenario.
| Route | Best when | Term | Prepayment flexibility |
|---|---|---|---|
| Gold-standard DSCR exit | Property stabilized, rents flowing, 700+ credit | 30-year fixed | Zero prepayment penalty |
| V50 refinance | Credit under 600, or property not currently rented | 30-year fixed, no balloon payment | Per program review |
| Staying in hard money | Still renovating or bridging to stabilization | Short term | Per note terms |
Investor questions
Clear answers to common questions
What is the gold-standard DSCR exit?
It is the permanent-financing exit for a stabilized investment property: a 30-year fixed DSCR loan that refinances short-term debt into financing designed for ongoing rental ownership.
When does this exit make sense?
When the rehab is done, rents are flowing, and credit is solid (700+). That combination earns the best terms the market offers for the file.
What terms does the playbook describe?
Rates starting in the high 5’s, zero prepayment penalty, the lowest lender fees in the industry, and application-to-closing in under 10 days. Final eligibility and terms depend on the complete loan scenario.
Does a DSCR loan require my tax returns?
Never. DSCR qualification is based on the property’s rental income — no tax returns, W-2s, or pay stubs are required.
How is this different from the V50 program?
The gold-standard DSCR exit is for stabilized properties with 700+ credit and delivers top-tier terms. V50 is the route when the credit score or current occupancy is the obstacle — it has no minimum credit score requirement and the property does not need to be rented.
Can this exit a hard money loan?
Yes. Investors commonly use hard money to acquire or renovate, then refinance into DSCR financing once the property is stabilized and its qualifying rent supports the proposed payment.
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