Capituro
Flagship Program

Capituro
Cash Out.

Pull equity from stabilized investment property without waiting six months or splitting deals across multiple lenders.

Single familyMultifamilyMixed useRetailOfficeSelf storageLight industrialEvent centersAnd more
Program Snapshot
$250K
Min loan
$75M
Max loan
1-200
Units
25-30 yr
Fixed term
1 day
Min seasoning
Program Overview

One Program,
Every Asset Class.

Most cash out lenders make you pick a lane. Capituro Cash Out is for investors who own more than one property type and want one team handling the whole portfolio.

Pull equity from a duplex you just stabilized, a 48 unit apartment building, a retail strip, or a mixed use corner asset. Loan size runs from $250K to $75M with 1 to 200 units per deal.

Use proceeds for your next acquisition, debt paydown, rehab completion, or other business and investment needs. Flexible cash out structure without capping how you deploy the capital.

Worth Knowing
1 Day Seasoning, No Reserves Seasoning
We can close cash out refinances with just 1 day of property seasoning. Reserves funds also do not require seasoning. Both flexibilities are rare and matter for fast moving operators.
Loan Matrix

Typical Program Terms

Program parameters across residential, multifamily, and commercial asset classes. Final pricing and structure determined by credit, property, and market underwriting.

Loan Amount
$250,000 to $75,000,000Residential through commercial asset types
Eligible Units
1 to 200Single family through larger multifamily and commercial
Eligible Asset Types
7+ asset classesSingle family, multifamily, mixed use, retail, office, self storage, light industrial, event centers, and more
Max LTV
Up to 80%80% single family, 75% multifamily, 70% office, warehouse, self storage, and automotive
Loan Term
25 to 30 year5/6 and 7/6 ARM available, 10 year interest only option
Prepayment
Step down5/4/3/2/1 standard; shorter terms with rate adjustment
Minimum DSCR
0.5No ratio program available with adjusted pricing
Property Seasoning
1 dayNo 6 month seasoning wait
Liquidity
None requiredNo post close liquidity verification on most cash out loans
Minimum FICO
640Top tier pricing at 700 plus
Eligible Borrowers
US citizens, permanent residentsForeign nationals on adjusted matrix
Eligible Entities
LLC, LP, S Corp, C Corp, TrustPersonal guaranty required
Recourse
Personal guarantyNon recourse on case by case for strong sponsors
Note: Matrix represents typical program parameters. Actual terms vary by state, property type, occupancy, and credit profile. Cash out limits, seasoning requirements, and reserves vary by transaction.
Looking to pull equity?
Share the property and we will confirm seasoning, leverage, and pricing.
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Eligible Property

Eligible Asset Types

Capituro Cash Out covers stabilized income property investors actually own, from a single rental through multifamily, event centers, and other commercial asset classes.

Single Family

Cash out on stabilized single family rentals, including recent acquisitions with as little as 1 day of seasoning. Up to 80% LTV.

Multifamily

Duplexes through larger apartment assets, including limited and non recourse options on qualifying deals. Up to 75% LTV.

Office

Single tenant and multi tenant office buildings on stabilized leases with investment grade or local tenant profiles. Up to 70% LTV.

Retail

Strip centers, standalone retail, and neighborhood commercial with stabilized tenant income.

Mixed Use

Retail or office below with residential above, and other blended income assets common in urban markets.

Self Storage

Stabilized self storage facilities with consistent occupancy and recurring rental income. Up to 70% LTV.

Light Industrial

Warehouse, flex, and light industrial assets with stabilized business or logistics tenants. Up to 70% LTV.

Event Centers

Wedding venues, banquet halls, and event facilities with stabilized rental or venue income.

Portfolio Cash Out

Own residential, multifamily, and commercial assets? We cash out each property on its own loan, with one team handling your whole portfolio.

And More

Medical office, hospitality, automotive, and other special use income property on a case by case basis. Automotive and similar commercial types up to 70% LTV.

Not eligible: Owner occupied homes, agricultural property, mobile homes on leased land, working farms, raw land.
Confirm your property
Who Uses It

When Cash Out Makes Sense

A few of the strategies that benefit most from 1 day seasoning and no reserves requirement.

1

Just stabilized a value add

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 offering.

2

BRRRR refinance leg

Buy, rehab, rent, refinance, repeat. The refinance leg is where speed matters most. We close it fast.

3

Funding the next acquisition

Use cash out proceeds for your next deal, debt paydown, or other business and investment needs. Not for personal expenses.

4

Pulling equity from a paid down asset

Properties owned for 5 to 10 years with significant equity. Refinance pulls out trapped capital at conservative LTVs.

How It Closes

Typical Timeline: About 30 Days

01
Week 1

Term Sheet

Share a deal summary and address. Rate, leverage, fees, and timeline often come back the same day.

02
Week 1 to 2

Application + Appraisal

Sign term sheet, complete the application, order appraisal. Title and insurance kick off in parallel.

03
Week 2 to 3

Underwriting

We review the deal, issue conditions, and clear them. Ready to close once appraisal and title are in.

04
Week 3 to 4

Close + Fund

Final docs to title. Wire may be funded the same day documents are signed.

Ready to run your numbers?
Request a quote and we will map out cash out proceeds and timeline.
Quote My Deal
DSCR Questions

Frequently Asked

How fast can I cash out after acquiring a property?+
1 day property seasoning. We can structure the cash out refinance to close as soon as the prior acquisition has recorded. That matters when you have just stabilized a value add and want to pull equity before pricing moves.
Are there reserves requirements on cash out?+
In most cases no. Standard DSCR programs require 6 months of PITI reserves. On cash out, we waive the post close liquidity requirement on most loans. Note that no reserves seasoning is a feature specific to purchase loans; refinances follow standard reserves rules where they apply.
Is there a liquidity requirement?+
In most cases no. Standard DSCR programs require 6 months of PITI reserves. On cash out, we waive the liquidity requirement on many loans as long as the deal stands on its own. Larger or lower DSCR deals may still carry reserves requirements.
What is the maximum cash out LTV?+
Up to 80% LTV on single family cash out, up to 75% on multifamily, and up to 70% on commercial such as office, warehouse, self storage, and automotive. Stronger DSCR and credit profiles unlock the top tier; weaker profiles may cap lower.
Can I use proceeds for anything?+
Yes, within business and investment use. Common uses include your next acquisition, renovation capital, paying down portfolio debt, or reserves for future deals. Proceeds cannot be used for personal expenses.
What asset types are eligible?+
Single family, multifamily, mixed use, retail, office, self storage, light industrial, event centers, and more on stabilized investment property. Loan structure routes to the underlying program based on asset type.
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