A cash-out refinance replaces existing debt with a larger loan and returns the difference to you at closing. On business-purpose property, those proceeds commonly fund the next acquisition, a renovation, or consolidation of higher-cost debt.
Because these are business-purpose loans, proceeds must be used for business or investment purposes. That is not a formality, it is the basis of the exemption these loans rely on.
See how much equity you can actually access, and what it costs you monthly to put that capital to work.
Estimates only. Actual leverage depends on program, credit, property type, and the appraisal. Not a quote or a commitment to lend.
Send us the scenario and we will tell you honestly whether it works, and which lender is the right home for it.
Buying the next one. Which program fits, how much you put down, and how fast you can close.
Qualify on your rental property's income, not your tax returns or W-2s.
Short-term bridge financing for non-owner-occupied renovation projects.
Multifamily, mixed-use, office, retail, and industrial investment property loans.
One loan across multiple doors. Consolidate a rental portfolio into a single closing and payment.
DSCR financing structured around short-term rental income.
Twelve or twenty-four months of deposits qualify self-employed borrowers.
Replace your existing loan with better terms. No cash out, better pricing.
Asset-based lending when speed matters more than conventional timelines.
Acquisition financing for raw land, entitled lots, land banking, and agricultural acreage.
Yes. On a business purpose cash-out refinance the property is qualified on the rent it collects, so tax returns and W-2s are not required.
Anything with a business purpose. Most investors use it as the down payment on the next property, to fund renovations that raise rent, or to hold as reserves. It cannot be used for a primary residence.
It depends on the property value, the loan to value limit of the program and whether the rent still covers the larger payment afterward. That last test is the one that usually sets the ceiling.
Yes. You are replacing the existing loan with a new one, so the term starts again. That is worth weighing against how much cash you are taking out and what you plan to do with it.