How much cash can I access?

That depends on the property's value, the payoff balances being replaced, closing costs, and the maximum loan-to-value a program allows. Our analyzer shows an illustrative range from the values you enter.

Should I refinance if my current rate is lower?

Sometimes the reason to refinance is access to capital rather than rate. Model the new payment and total cost against what the equity is worth to you before deciding.

Rental & Portfolio

Cash-Out Refinance Options

Refinance an investment property to replace existing debt and access equity, with the trade-offs modeled in advance.

Discuss My Scenario Open the Cash-Out Refinance Analyzer

Program parameters are confirmed for your scenario. Nothing here is an approval or commitment to lend.

A cash-out refinance replaces your current financing with a new loan and releases equity as cash. The decision is rarely about the rate alone — it is about what the new payment does to cash flow, what the transaction costs, and what you plan to do with the proceeds.

We model gross and net proceeds, the new payment, the difference from your current payment, the resulting loan-to-value, and the total transaction cost. If the numbers do not improve your position, we will say so.

Any loan-to-value ceiling you enter in our analyzer is your own assumption for illustration. It is not an approved program limit.

Who may find it useful

Owners with equity and a specific use for the proceeds
Investors consolidating higher-cost debt
Owners whose current loan terms no longer fit the plan
Investors funding a renovation, reserve, or down payment

Typical financing goals

Access equity without selling the property
Consolidate or replace existing liens
Reset terms on a property you intend to hold

Key considerations

Proceeds are reduced by payoff balances, closing costs, and any prepayment penalty
A larger loan raises the payment and lowers the cushion against vacancy
Prepayment penalties on the existing loan can change the math materially
Lenders set their own maximum loan-to-value by property type and program

Information to gather

Current mortgage statement with payoff balance
Estimated current property value
Any second liens, HELOCs, or judgments
A rough plan for the proceeds and intended hold period

Frequently asked

At a glance

Put existing equity to work

CategoryRental & Portfolio

Property useInvestment property

Coverage30+ states, subject to program availability

Best next stepModel it, then talk to us

Program parameters—maximum leverage, minimum credit, reserve requirements, loan limits, and documentation rules—vary by lender and are confirmed by our team for your specific scenario.

Discuss My Scenario

Relevant calculator

Cash-Out Refinance Analyzer

Equity, proceeds, and the new payment.

Open the calculator

We do not publish rates, maximum leverage, minimum credit scores, or closing timelines for this program. Those depend on the lender, the property, and the file.

Investment property disclosure

The financing described here is for investment property. It is business-purpose financing, not a consumer-purpose or owner-occupied residential loan.

Investment property financing is underwritten on the property, the plan, and the exit. Rent treatment, reserves, credit standards, and collateral requirements are set by the lender and confirmed for your scenario.

SageFin Capital is a commercial finance brokerage. Financing is subject to lender approval, underwriting, collateral requirements and program availability. Not a commitment to lend.

Thinking about cash-out refinance options?

Share the property and your goal. We will confirm what may be available and what the file would need.

Submit a scenario Open the Cash-Out Refinance Analyzer

Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.