Refinance & Cash-Out Funding

A refinance replaces existing property debt with a new arrangement. A cash-out refinance may also release part of the property’s equity after existing obligations and closing costs are addressed. Bring us the reason for the refinance, the amount needed and the plan for the property after closing.

Tell us about your deal

Where it fits

Replacing a maturing acquisition, bridge or construction loan with financing suited to the next phase.
Refinancing an operating investment property after renovation, leasing or other improvements.
Seeking available equity for another real-estate project, or reviewing several investment properties together as a portfolio.

How it comes together

We review the current loan balance, payoff deadline, property value and operating position. The relevant amount is what remains after obligations and costs, not simply the difference between value and the original purchase price.
We discuss the purpose of any requested cash and the effect of replacement debt on the property. New payments, term length and repayment conditions should fit your intended holding strategy.

What to share

Property address, ownership date, estimated value and any completed or outstanding work.
Current balances, payments, maturity dates and known payoff or prepayment conditions.
Rent and operating information, desired new funding amount and the intended use of cash proceeds.

Start with what you know. Our inquiry lets you use estimates and mark details you're still working out.

What to work through

Value, income, ownership history and lender requirements affect available funding. An investment-property equity loan or line of credit may be another route to review. Unlike a refinance, it may retain the first loan and add an obligation; collateral and existing loan terms matter.
A lower payment can come with a longer repayment period or different costs. Review the proposed arrangement as a whole, including the existing loan’s exit charges.

Let's put your deal together.

Tell us what you're working on, what's already arranged and what still needs funding. Estimates are welcome.