Pull equity from stabilized rental property to fund the next acquisition, complete a rehab, or restructure portfolio debt. 1 day property seasoning with no liquidity requirement in most files.
Cash out refinance is the financing mechanic that compounds an investor's returns. Pull equity from a stabilized property at the right moment and you fund the next acquisition without putting in fresh cash.
Most lenders force a 6 month ownership seasoning period before cash out, which kills the ability to refinance a recent purchase or stabilization. We close cash out files with just 1 day of property seasoning. We also do not require post close liquidity verification on most cash out files, which is rare among DSCR lenders.
Eligible across the DSCR product set: 1 to 4 unit residential, 5 to 10 unit small multifamily, and 10+ unit larger multifamily. Loan size matches the underlying program range.
Program parameters for DSCR rental financing. Final pricing and structure determined by credit, property, and market underwriting.
Cash out off a paid down SFR. Routes to our 1 to 4 Unit DSCR program.
Cash out from duplex, triplex, or fourplex equity. Routes to our 1 to 4 Unit DSCR program.
Small multifamily equity pull. Routes to our 5 to 10 Unit DSCR program.
Larger multifamily cash out. Routes to our 10+ Unit DSCR Refinance program with limited and non recourse options.
Office, retail, mixed use, and light industrial equity pulls also eligible.
Cross collateralize multiple properties to pull more equity than a single asset supports.
A few of the strategies that benefit most from 1 day seasoning and no reserves requirement.
Most lenders force 6 months of ownership before cash out. We can refinance and pull equity 30 days after stabilization with our 1 day seasoning rule.
Buy, rehab, rent, refinance, repeat. The refinance leg is where speed matters most. We close it fast.
Use cash out proceeds for your next deal, debt paydown, or other business and investment needs. Not for personal expenses.
Properties owned for 5 to 10 years with significant equity. Refinance pulls out trapped capital at conservative LTVs.
Submit deal summary and address. Rate, leverage, fees, and timeline back within 24 hours.
Sign term sheet, complete the application, order appraisal. Title and insurance kick off in parallel.
File reviewed, conditions issued, cleared. Clear to close once appraisal and title are in.
Final docs to title. Wire funded the same day documents are signed.
Get indicative cash out pricing and timeline within 24 hours.
