Refinance Your Hard Money Loan Into Long-Term DSCR Financing

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How a Hard Money Loan Refinance Works

A hard money or bridge loan is designed to be short-term, but refinancing into long-term DSCR financing lets you lock in stable payments based on your rental income. No personal income verification, no W-2s, no tax returns. If your property's rental income covers the new mortgage payment, you can qualify. Stop paying double-digit bridge rates and move into investor-focused financing built to hold.

Available for refinance on rental and investment properties currently in hard money or bridge financing.

Stop paying high short-term rates. Qualify on rental income — not your personal income.

RYTY CAPITAL

Tell Us About Your Property

Fill out the short form with your investment property details. Takes less than 2 minutes.

We Shop DSCR Rates

We compare options across 180+ wholesale lenders to help you find a competitive DSCR loan.

Close and Fund

Choose the best option and we handle the rest. Fast turnaround for experienced investors.

Exit Your Hard Money Loan in 3 Steps

Get My Free DSCR Refi Quote

Ryan Greenhalgh is a branch manager at West Capital Lending, specializing in DSCR loans and hard money refinancing for real estate investors.

With access to 180+ wholesale lenders, Ryan helps investors exit expensive bridge and hard money loans and move into long-term DSCR financing — without income docs, tax returns, or W-2s. Whether you're holding one property or managing a portfolio, he shops the market to find the best exit terms available.

Whether you're refinancing out of a hard money loan, exiting a bridge position, or moving into stable long-term rental financing, Ryan is here to help you scale.

A DSCR mortgage qualifies you based on the rental income your property generates — not your W-2s, tax returns, or personal debt-to-income ratio. If the property's income covers the mortgage payment, you can qualify. It's the fastest-growing investment property loan product for real estate investors, built for how you actually operate.

Available for purchase and cash-out refinance on rental and investment properties.

Ryan Greenhalgh is a branch manager at West Capital Lending, specializing in DSCR loans and hard money refinancing for real estate investors.

With access to 180+ wholesale lenders, he helps investors exit expensive bridge and hard money loans and move into long-term DSCR financing — no income docs, tax returns, or W-2s required.

Refinance Your Hard Money Loan Into Long-Term DSCR Financing

Ready to talk? Call Ryan directly:

Your Hard Money Exit Specialist

"Ryan consistently finds the best loan programs at competitive pricing. What sets him apart is how seamless and effortless he makes the entire process."

Monica
Investor

What Our Investors are Saying

"Being self-employed and always trying to figure out how to qualify — we just leave it in Ryan's hands and 30 days later, somehow, we fund."

Ric
Self-Employeed

"Ryan never forgot about us through a months-long process. He kept a close eye on rates and made sure everything moved quickly. We did not even consider shopping around."

Christina
Real Estate Buyer

Book Your Call

No Income Docs Required

Qualify based on the property's rental income and skip the tax returns and pay stubs.

Close in Your LLC

Designed for real estate investors who purchase rental properties through an LLC or other entity structure.

Up to 80% LTV Available

Keep more capital in your pocket. Finance up to 80% of the property value.

Also available: Prepayment penalty-free options · Post-rehab property financing · Business-purpose loans

Call: 949-796-8428949-796-8428

Ryan Greenhalgh | NMLS #2173068 | DRE #02142372
West Capital Lending, Inc. | NMLS #1566096 | DRE #02022356
5830 E 2nd Street, Suite 7000, Casper, WY 82609

Licensed in: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Indiana, Iowa, Louisiana, Massachusetts, Mississippi, Montana, Nevada, New Hampshire, New Jersey, North Carolina, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Vermont

Equal Housing Opportunity | NMLS Consumer Access: nmlsconsumeraccess.org

West Capital Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

Not a Commitment to Lend. Nothing on this website constitutes a commitment to lend or a guarantee of loan approval. All loans are subject to credit approval, property qualification, and lender guidelines.

RYTY CAPITAL