10 Best Investment Property Refinance Companies for Real Estate Investors
Refinancing an investment property is a capital management decision, not a rate-shopping exercise. For real estate investors, refinancing directly affects cash flow resilience, leverage control, and long-term portfolio efficiency. Unlike owner-occupied mortgages, investment property loans are evaluated through rental performance, debt coverage strength, and asset risk—making lender selection a measurable financial choice.
This article presents a data-centered evaluation of leading companies that refinance investment properties, focusing on underwriting logic, cost structure, and portfolio scalability rather than marketing claims.
Investment Property Refinance Market Overview
Understanding current refinance conditions is essential before comparing lenders.
U.S. Investment Property Refinance Indicators
| Market Indicator | Typical Range |
| Rate premium vs primary residence | +0.8% – 1.6% |
| Maximum loan-to-value (LTV) | 65% – 75% |
| Cash-out refinance ceiling | 70% – 75% |
| Debt Service Coverage Ratio (DSCR) | 1.10x – 1.35x |
| Average refinance costs | 2% – 4% of loan balance |
These figures show why refinance decisions for rental properties are primarily about risk-adjusted returns, not headline interest rates.
Best Refinance Companies Were Evaluated
Each company was assessed using six quantitative performance dimensions:
| Evaluation Factor | Investor Impact |
| Interest rate efficiency | Net cash flow |
| LTV policy | Equity access |
| Rental income treatment | Qualification success |
| Portfolio loan support | Growth scalability |
| Fee structure | Capital efficiency |
| Execution speed | Market timing risk |
1. Rocket Mortgage – Best for Speed and Process Reliability
Rocket Mortgage leverages automated underwriting systems to deliver predictable refinance timelines for single-asset investors.
Performance Metrics
| Metric | Observed Range |
| Average closing time | 30 – 45 days |
| Max investment LTV | ~75% |
| Documentation model | Full income verification |
| Process consistency | High |
2. Wells Fargo – Best for Risk-Conscious Long-Term Holders
Wells Fargo applies conservative credit standards designed for balance-sheet durability rather than aggressive leverage.
Performance Metrics
| Metric | Observed Range |
| Investment LTV cap | 65% – 70% |
| Loan term options | Up to 30 years |
| Underwriting flexibility | Low to moderate |
| Capital strength | Very strong |
3. Chase – Best for High-Credit Borrowers
Chase refinance programs favor investors with strong credit profiles and well-documented rental income.
Performance Metrics
| Metric | Observed Range |
| Minimum credit score | ~700 |
| Rental income evaluation | Strict documentation |
| Rate competitiveness | Above market average |
| Advisory support | Strong |
4. LendingTree – Best for Market Access and Rate Discovery
LendingTree operates as a lending marketplace, enabling investors to compare multiple refinance offers simultaneously.
Performance Metrics
| Metric | Observed Range |
| Active lender network | 10+ partners |
| Rate dispersion | Wide |
| DSCR-based options | Available |
| Offer transparency | High |
5. Bank of America – Best for Multi-Property Portfolios
Bank of America structures refinance solutions for investors managing multiple rental assets.
Performance Metrics
| Metric | Observed Range |
| Portfolio integration | Strong |
| Cash-out flexibility | Moderate |
| Risk control framework | Conservative |
| Long-term cost stability | High |
6. Better.com – Best for Low-Cost Digital Refinancing
Better.com reduces transaction costs through a fully digital refinance process.
Performance Metrics
| Metric | Observed Range |
| Origination fees | Low |
| Processing timeline | 30 – 40 days |
| Max investment LTV | ~75% |
| Cost predictability | High |
7. CoreVest Finance – Best for DSCR-Based Qualification
CoreVest evaluates refinance eligibility primarily on property cash flow rather than borrower income.
Performance Metrics
| Metric | Observed Range |
| Minimum DSCR | ~1.0x |
| Portfolio loan capacity | Extensive |
| Maximum loan size | High |
| Personal income reliance | Minimal |
8. Lima One Capital – Best for Expansion-Focused Investors
Lima One Capital designs refinance products for rental portfolio growth.
Performance Metrics
| Metric | Observed Range |
| Typical DSCR threshold | ~1.15x |
| Property types supported | SFR & small multifamily |
| Underwriting adaptability | High |
| Growth orientation | Strong |
9. New American Funding – Best for Advisor-Led Refinancing
New American Funding combines structured refinance options with guided investor support.
Performance Metrics
| Metric | Observed Range |
| Custom loan structuring | Moderate |
| Cash-out programs | Available |
| Borrower education | Strong |
| Service model | Relationship-based |
10. LoanDepot – Best for Hybrid Digital and Human Support
LoanDepot blends online platforms with traditional loan officers.
Performance Metrics
| Metric | Observed Range |
| Rate consistency | Stable |
| Investment property focus | Strong |
| Digital tool maturity | Advanced |
| Process flexibility | Moderate |
Comparison Table: Best Refinance Company by Investor Profile
| Investor Profile | Best Match |
| Fast execution | Rocket Mortgage |
| Capital preservation | Wells Fargo |
| High-credit borrowers | Chase |
| Rate comparison | LendingTree |
| Portfolio owners | Bank of America |
| Cost minimization | Better.com |
| DSCR qualification | CoreVest |
| Growth-oriented investors | Lima One Capital |
| Advisor-driven approach | New American Funding |
| Hybrid support | LoanDepot |
Data-Driven Insight
The best investment property refinance company is determined by quantitative alignment between leverage limits, cash flow strength, and portfolio strategy, not brand recognition. Investors who base refinance decisions on measurable underwriting criteria consistently achieve lower capital friction, stronger liquidity control, and more durable long-term performance.
