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Cash-Out Refinance Analyzer

Compare your current financing against a cash-out refinance, with gross and net proceeds, payment change, and total transaction cost.

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Inputs

Cash-Out Refinance

What the equity actually delivers after payoff balances and transaction costs, plus coverage after the refinance.

Property
Proposed financing
Comparison and coverage

Assumption — actual terms vary by lending partner.

Results

Illustrative estimate from the inputs shown. Not a rate quote, approval, or commitment to lend.

Net cash-out
$41,250

After payoff, closing costs, and penalties

New payment
$2,329

Principal and interest at the modeled rate

Payment change
$329

Higher than your current payment

Proceeds

Proposed loan$350,000
Less existing payoffs-$300,000
Gross cash-out$50,000
Less closing costs-$8,750
Less prepayment penalty-$0
Net cash-out$41,250
Total transaction costs$8,750
Cost per dollar released$0.18

Position after refinance

Loan-to-value70.0%
Maximum loan at your ceiling$375,000
Equity remaining$150,000
Annual payment change$3,943
PITIA after refinance$2,799
DSCR after refinance1.07
Keeping the current financing means no transaction costs and no payment change, but also no access to the equity. Compare what the released cash is actually worth to you against the higher payment and the total transaction cost shown above.
Assumption — actual terms vary by lending partner. The LTV ceiling above is a number you entered for illustration. It is not an approved program maximum, and each lending partner sets its own limits by property type and program.
Methods and formulas used

Gross cash-out = proposed loan − existing payoffs.

Net cash-out = gross cash-out − closing costs − prepayment penalty.

Cost per dollar released = closing costs ÷ gross cash-out.

Payment uses standard amortization: L × r ÷ (1 − (1 + r)−n).

DSCR after refinance = monthly rent ÷ (new principal and interest + monthly taxes + monthly insurance).

Released equity is not income. It is borrowed capital secured by the property.

Next step

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SageFin Capital is a commercial finance brokerage and provides illustrative tools only. Results are estimates based on the inputs you provide and do not constitute a rate quote, pre-approval, credit decision, or commitment to lend. Lender eligibility, program availability, and terms are determined by the lender through a separate review.