The maximum loan amount for an FHA-insured loan refinancing of existing FHA-insured multifamily or healthcare loans can only cover the existing loan’s principal balance and additional eligible refinancing costs such as fees, repair costs, third-party costs, initial reserve deposits, etc. (HUD 223(a)(7) Mortgage Terms and Interest Rates). Additionally, the minimum Debt Service Coverage Ratio (DSCR) is 1.11x for for-profit borrowers or 1.05x for non-profit borrowers (The FHA and HUD 223(a)(7): Refinancing Existing HUD Loans).