How Investors Are Using DSCR Loans to Consolidate Debt and Boost Monthly Income
For many real estate investors, November and December are the most important months of the year. It’s when they review portfolio performance, evaluate tax strategies, and position themselves for a strong start in 2026.
One of the most effective tools investors are using this year?
DSCR refinances designed specifically for debt consolidation and cash-flow improvement.
Here’s how investors across NC & SC are leveraging DSCR loans to strengthen their portfolio and improve their monthly financial picture before 2026 hits.
DSCR LOANS IN NC & SC: NOT JUST FOR NEW PURCHASES
Most investors know DSCR loans as a tool for acquiring long-term and short-term rentals. But DSCR refinances are equally powerful:
● Rate & term refinances
● Cash-out refinances
● Consolidating high-interest debt
● Transitioning from hard money to long-term financing
This makes DSCR a key strategy for investors trying to reset their monthly obligations heading into a new year.
CONSOLIDATING HIGH-INTEREST DEBT CAN DRAMATICALLY IMPROVE CASH FLOW
Investors often carry:
● Credit card balances
● Business loans
● Personal loans
● High-interest HELOCs
● Hard money notes
A DSCR refinance allows you to bundle multiple debts into one long-term mortgage, often at a significantly lower rate.
STRONGER DSCR RATIO HELPS INVESTORS SCALE FASTER
Better cash flow and improved DSCR ratios means easier qualification for your next property.
This is a major reason investor aim to improve their financials before year-end. It means better tax positioning, DSCR metrics, more liquidity and stronger underwriting profile.
PRIME DSCR MARKETS IN NORTH CAROLINA AND SOUTH CAROLINA
The Carolinas remain top investor destinations. These areas offer a mix of strong rent growth, population inflow, and investor-friendly opportunities.
If you own rental properties in NC or SC, now is the best time to explore DSCR refinance or cash-out strategies to strengthen your portfolio heading into 2026.
Novus Home Mortgage can review your numbers and show how a DSCR loan could improve your monthly cash flow. Contact us today to plan for a stronger investment year ahead.