CASH-OUT REFINANCE · Idaho (ID) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Idaho Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Idaho Cash-Out Refinance provide business-purpose real estate investors with Up to 75% LTV Cash-Out (Select 80% LTV Tiers) across loan amounts from $100,000 – $15,000,000+ at 6.625% – 8.375% (30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only, 640 – 680+ FICO min FICO, 14 – 21 Business Days close). In Idaho (ID), lenders underwrite to a Non-Judicial (Deed of Trust) statutory framework (120–145 days-day average timeline), a 0.63% average property tax rate (~$234/mo at the $445,000 state median), and $430/$100K hazard insurance (~$159/mo).

Max Leverage / LTC

Up to 75% LTV Cash-Out (Select 80% LTV Tiers)

Min FICO: 640 – 680+ FICO

2026 Rate Band

6.625% – 8.375%

30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only

ID Security Instrument

Non-Judicial (Deed of Trust)

120–145 days days avg timeline

ID Avg Tax & Ins

0.63% Tax

$430/$100K Hazard Ins