You’ve lived in your duplex, rented the other unit, built equity, and learned the ropes of landlording. That’s house hacking at its finest.
But now you’re ready to move out—and move on.
So what’s the next move? A DSCR refinance.
By using a Debt Service Coverage Ratio (DSCR) loan, you can transition your house hack into a full-fledged income property and access financing that focuses on the rental cash flow—not your personal income.
Here’s how to do it, step by step.
What Is a DSCR Refinance?
A DSCR refinance allows you to replace your current mortgage with a loan based on the property’s net operating income (NOI) compared to its annual debt payments.
No W-2s.
No tax returns.
No DTI ratios.
Just the property’s ability to cover its mortgage.
Why House Hackers Use DSCR Loans
When you house hack, you typically buy with an owner-occupied loan—FHA, VA, or conventional—using your personal income to qualify.
Once you move out, the property becomes a non-owner-occupied rental. At that point, you’re eligible for DSCR financing, which offers:
