What Credit Score Do I Need to Refinance a Rental Property?

Conventional refinance requires 620+ (720+ for best rates). DSCR loans typically need 660+. Hard money and private lenders are more flexible.

• What to know: Know exactly what lenders look for when you apply to refinance a Houston investment property.
• Houston context: Houston's strong rental market and property values generally make it easier to meet refinance requirements compared to weaker markets.
• Action step: If one loan type doesn't work, explore alternatives — DSCR loans, portfolio lenders, and credit unions each have different qualification criteria.

Bottom Line

Meeting refinance requirements is achievable for most Houston landlords. The key is knowing which loan type matches your financial profile and property situation.