Turn equity into a lump sum — or reposition the portfolio.
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about 55 seconds left60 seconds · no hard credit pull · never sold
What type of property is this?*
A cash-out refinance replaces the current mortgage with a larger one and hands you the difference. Investors use it to pay off high-interest debt in one closing, or to refinance rental debt and free capital for the next deal.
- No title seasoning at $100K+ — refinance right after purchase or rehab
- Qualified on today's appraised value — not the purchase price
- No tax returns — DSCR — the rent qualifies
- LLC-titled properties OK
- $75,000 to $5,000,000
- Most popular use — paying off high-interest debt in one closing
- BRRRR investors
- Rental portfolio owners
- Paying off high-interest debt
- Free-and-clear properties
Built to do what conventional financing can't.
No waiting on title
On DSCR cash-out of $100,000 and above there is no title seasoning. Most lenders make you own the property 6 to 12 months first.
Today's value, not what you paid
The loan is sized on the current appraised value, so the equity you created with a rehab counts right away.
The rent qualifies
Investor refinances run through DSCR: no tax returns and no personal income documents.
Stay in your LLC
Properties titled in an LLC can be refinanced and remain vested in the entity.
Sound like your situation? Answer a few questions and I'll show you what you qualify for — about 60 seconds, no hard credit pull.
Check my options →See what your equity could unlock.
Equity access
An estimate only. The line amount depends on credit, property type and occupancy: $50K–$5M, 620 minimum credit. Texas caps combined LTV at 80%.
Potential HELOC access (90% CLTV)
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A line behind your current mortgage, funded in days.
An estimate is a start. Tell me about the property and I'll come back with real options for it.
Check my options →Seasoning and leverage.
Maximum LTV depends on the program, property type, and credit tier. These are the no-seasoning limits.
- Loan amount$100,000 and above
- Title seasoningNone
- Cash-outUp to 75% LTV
- Rate-and-termUp to 80% LTV
- Loan amountUnder $100,000
- Title seasoning6 months
- Cash-outBy program
- Rate-and-termBy program
- Loan amountLand-contract refinance
- Title seasoning6 months
- Cash-outBy program
- Rate-and-termBy program
Loan amounts from $75,000 to $5,000,000. Value is the current appraised value, not the purchase price. Below 620 FICO, an investment refinance is capped at 50% of value.
- Meaningful equity in the property
- A clear use for the funds: debt payoff, improvements, or the next acquisition
- 620+ credit for most programs
- Rental portfolio owners repositioning debt
- No income documents on DSCR investor refinances
- Under $100,000 carries six months of title seasoning
- If your current first-mortgage rate is low, a HELOC or HEA leaves it alone; Joshua will tell you if one beats a cash-out
- Standard and reverse 1031 exchanges are supported
Good to know.
How does an investor cash-out refinance work?+
A new, larger mortgage replaces the old one and you receive the difference in cash. Through DSCR the rent qualifies the loan, so no tax returns are needed.
Can I refinance a property titled in an LLC?+
Yes, and it can stay vested in the LLC.
How much can I take out?+
Loan amounts run from $75,000 to $5,000,000. The maximum LTV depends on the program, the property, and your credit.
Is there title seasoning?+
None at $100,000 and above on DSCR investor refinances. Below $100,000 there is a six-month seasoning requirement.
Is the loan based on my purchase price or the appraised value?+
The current appraised value. With no seasoning, cash-out goes up to 75% LTV and rate-and-term up to 80%.
What can I use the cash for?+
Anything. Paying off debt is the most common use, followed by down payments and renovations.
Cash-out refinance, HELOC, or HEA?+
If your current rate is low, a HELOC or HEA leaves the first mortgage in place. A cash-out refinance replaces it. Joshua prices the options side by side.
Can I refinance out of a land contract?+
Yes, into DSCR financing with the deed recorded in your name or LLC. Six months of seasoning applies.
Can I buy out an heir or a probate interest?+
Yes. It's treated as a refinance rather than a purchase, with the property's equity funding the buyout.
Still have a question about your own scenario? Start here and I'll answer it with your numbers in front of me.
Check my options →Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.