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

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

Washington 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 Washington (WA), lenders underwrite to a Non-Judicial (Washington Deed of Trust Act — RCW 61.24) statutory framework (125–150 days-day average timeline), a 0.88% average property tax rate (~$414/mo at the $565,000 state median), and $450/$100K hazard insurance (~$212/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
WA Security Instrument
Non-Judicial (Washington Deed of Trust Act — RCW 61.24)
125–150 days days avg timeline
WA Avg Tax & Ins
0.88% Tax
$450/$100K Hazard Ins

Washington County-Level Property Tax & Insurance Hubs (3)

King County, WA
King County, WA · 0.92% Tax · $480/$100K Ins
Pierce County, WA
Pierce County, WA · 1.04% Tax · $475/$100K Ins
Snohomish County, WA
Snohomish County, WA · 0.95% Tax · $475/$100K Ins

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Washington Cash-Out Refinance (2026) — Up to 75% LTV Cash-Out (Select 80% LTV Tiers), 6.625% – 8.375% | Stephen R. Mannenbach | Stephen Mannenbach