Sometimes. Whether a recast helps, and whether the servicer will do one, both come down to how your DSCR loan is built. Start with the structure. Many DSCR loans are adjustable-rate, and an ARM usually doesn't need a recast: the payment re-amortizes over the remaining term at each rate adjustment, so a principal paydown shows up on its own at the next reset. On a 30-year fixed DSCR loan, a recast can genuinely help, letting you apply a lump sum to principal and lower the payment while keeping the same rate and payoff date. The complication is who holds the loan. DSCR loans are typically packaged into private mortgage pools rather than sold to Fannie Mae or Freddie Mac, so the servicer isn't operating under standard agency recast rules and isn't obligated to agree. Many cooperate anyway, since the alternative is you refinancing away and paying off the loan entirely. But it's a case-by-case ask rather than a guaranteed right. The honest answer: confirm whether your specific loan is fixed or adjustable, then ask your servicer directly for their recast policy and any fee, in writing, before counting on it. If you're weighing a recast against a refinance, we're happy to run both against your numbers.