What is the best company to refinance investment property is an important consideration for investors seeking to lower expenses, tap into existing equity, or strengthen monthly cash flow. Refinancing an investment property involves different requirements and risks compared to a primary residence, making lender selection a crucial step.
The right financing partner can provide investor-focused loan programs, competitive rates, and underwriting processes designed with rental properties in mind. The following list highlights fifteen reputable companies worth evaluating, along with the key factors that set each one apart.
1. Kiavi
Kiavi is considered one of the strongest choices for investors seeking efficient refinancing solutions. The company is widely known for its DSCR-based underwriting, which focuses more on the rental income of the property than on personal income.
This makes Kiavi particularly attractive for investors who own several rental homes and prefer a simplified approval process. Kiavi also offers competitive rates, flexible repayment structures, and programs tailored specifically for long-term rental strategies.
Many investors choose Kiavi because it understands the dynamics of investment cash flow and avoids the rigid standards often found in traditional banks.
2. LendingOne
LendingOne consistently ranks as a top option for those comparing the best company to refinance investment property. They offer a wide range of refinancing products, including fixed rate loans, adjustable loans, and interest-only structures.
LendingOne focuses solely on real estate investors, which allows them to streamline underwriting and develop loan programs suited to the buy-and-hold rental market. Their refinancing products often come with fast closings, making them ideal for investors who value efficiency and clear communication.
3. CoreVest
CoreVest is highly regarded for investors managing multiple properties or building a substantial portfolio. The company provides refinancing solutions for single rental homes, small multifamily units, and even full portfolio loans.
Investors who want to unlock equity through cash-out refinancing often prefer CoreVest because of its competitive loan-to-value ratios and flexible requirements. CoreVest’s deep experience in the investment property lending market ensures investors receive guidance tailored to long-term financial planning.
4. Glassridge
Glassridge offers refinancing programs designed specifically for long-term rental investors. Their DSCR programs allow borrowers to qualify based on rental income rather than extensive personal financial documentation.
This makes them a strong alternative for investors who may not meet strict bank guidelines. Glassridge provides a balanced blend of speed, flexibility, and investor-friendly loan terms, making them a practical option when evaluating the best company to refinance investment property.
5. American Heritage Lending
American Heritage Lending stands out for its ability to work with borrowers who require flexible documentation options. They serve the non-QM lending market and offer DSCR loans that work well for rental properties.
Their refinancing options are beneficial for investors who have complex income structures or prefer lenders who focus on investment rather than owner-occupied homes. The company’s strong customer service and clear process make refinancing more predictable and manageable.
6. Finance of America Commercial
Finance of America Commercial offers refinancing solutions for residential investment properties and small commercial buildings. Many investors choose this company because of its long amortization schedules, interest-only options, and investor-focused underwriting.
The lender is ideal for those who need strategic payment flexibility, especially when their cash flow is temporarily reduced or when they want to maximize liquidity during property improvements.
7. Onyx Group Mortgage
Onyx Group Mortgage provides investors with personalized support to select the right refinancing solution for their financial objectives. Their team evaluates factors such as property cash flow, long-term market trends, and borrower goals to offer tailored loan options.
Investors often choose Onyx when they value a consultative approach rather than a simple transactional experience. Their refinancing structures support both single-property owners and growing investors.
8. Walker & Dunlop
Walker & Dunlop is a major commercial mortgage lender, making them an excellent option for investors with multifamily or mixed-use portfolios. Their refinancing programs offer strong rates, long-term stability, and high loan amounts, which are particularly important for commercial property owners.
Investors seeking institutional-level refinancing solutions frequently rank Walker & Dunlop among the best company to refinance investment property for larger deals.
9. PNC Bank
PNC Bank provides conventional refinancing loans for investment properties, including cash-out refinance options. Investors who prefer traditional banks often choose PNC because of its predictable underwriting guidelines and stable interest rates.
Although the process can be more documentation-heavy than non-QM lenders, PNC delivers consistent results for borrowers with strong credit profiles and established rental income.
10. Chase Bank
Chase Bank remains a popular refinancing choice for investors who want to work with a nationwide lender. Chase offers competitive rates and refinancing products for single rental homes and small multifamily properties.
Investors choose Chase for its reputable customer support, structured process, and long history of servicing investment property mortgages.
11. Rocker Mortgage
Rocket Mortgage offers one of the most efficient digital refinancing experiences on the market. Their fast approval system, transparent communication, and user-friendly platform make them ideal for investors who prefer convenience.
Rocket Mortgage is a strong option for those seeking traditional refinancing programs backed by a large and established lender. For investors focused on speed and simplicity, this company stands out among the best company to refinance investment property.
12. United Wholesale Mortgage (UWM)
UWM operates through mortgage brokers, offering competitive wholesale pricing. Investors who use experienced brokers often gain access to UWM’s strong refinance programs at favorable rates.
The company is known for fast turn times and efficient processing, which is essential for investors seeking timely refinance approvals. UWM’s scale and reputation also provide confidence to borrowers refinancing investment homes.
13. PennyMac
PennyMac is a well-established mortgage lender offering conventional refinance options for investment properties. Their wide range of mortgage products and predictable underwriting standards make them a solid choice for traditional investment property loans.
Investors appreciate PennyMac for its professional loan officers, competitive pricing, and steady presence in the mortgage market.
14. BridgeWell Capital
BridgeWell Capital serves investors looking for flexible refinancing programs, especially those transitioning from short-term financing to long-term rental loans.
They support investors who use strategies such as buy-renovate-rent-refinance. BridgeWell is especially attractive for those needing refinancing after property improvements, making it a practical choice for active real estate investors.
15. Flip Funding
Flip Funding is known for supporting investors in both short-term and long-term investment strategies. While they specialize in fix-and-flip financing, they also provide refinancing programs suitable for rental properties.
Investors choose Flip Funding for its flexibility, straightforward underwriting, and willingness to work with borrowers who have multiple properties or complex investment plans.
Conclusion
Choosing the best company to refinance investment property requires a clear understanding of your investment goals, financial documents, and long-term strategy. Each lender on this list offers unique strengths, ranging from DSCR underwriting to conventional refinancing options.
By assessing your priorities such as interest rates, LTV limits, documentation requirements, and loan terms, you can select the refinancing partner that aligns best with your real estate objectives. With the right lender, refinancing becomes a powerful tool to enhance cash flow, build equity, and expand your investment portfolio strategically and sustainably.
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