Cash-Out Refinance for Investment Properties
Unlock equity from your rental properties to fund your next acquisition, renovation, or portfolio expansion — without selling your assets.
Cash-Out Refinance Highlights
Up to 75% LTV
Access a significant portion of your property equity for reinvestment
DSCR Qualification
Qualify based on rental income, not personal tax returns
Recycle Capital
Use equity from stabilized properties to fund new acquisitions
BRRRR Strategy
Complete the BRRRR cycle by refinancing after renovation and stabilization
Common Uses for Cash-Out Refinance
Fund next property acquisition
Complete BRRRR strategy exits
Property renovations & upgrades
Portfolio consolidation or debt payoff
General Qualification Guidelines
Property Requirements
- Investment property (1-4 units or commercial)
- Seasoning period may apply (typically 6+ months)
- Current appraisal required
- Property must be income-producing or stabilized
Borrower Profile
- 660+ credit score preferred
- DSCR of 1.0+ on the subject property
- Entity or individual ownership
- Cash-out proceeds flexible in use
Ready to Unlock Your Property Equity?
Tell us about your property and we’ll structure a cash-out refinance solution.
Business-purpose lending only. Not a bank. Not a direct lender. NMLS #2484887.
How Cash-Out Refinance Investment Property Loans Work
A cash-out refinance investment property loan replaces your existing mortgage with a new, larger loan. The difference between the old balance and the new loan amount is paid to you in cash at closing. For real estate investors, this is one of the most powerful tools for scaling a portfolio without selling assets.
For example, if your rental property is worth $400,000 and your current mortgage balance is $200,000, a cash-out refinance at 75% LTV gives you access to $100,000 in equity. You can use those funds to acquire new DSCR-financed properties, make renovations, or consolidate debt.
At FAAS Funding, our cash-out refinance investment property programs are DSCR-based, meaning we qualify you on the property’s rental income rather than personal tax returns. Use our DSCR Calculator to estimate your ratio, or get pre-qualified to see your options. You can also review our full DSCR loan requirements or upload documents through our Secure Upload portal.
Learn more about how cash-out refinancing works for investment properties from the Investopedia guide to cash-out refinancing.
If you’re considering a cash-out refinance investment property strategy, understanding DSCR loan requirements and current DSCR loan rates is essential. Use our DSCR calculator to estimate your ratio before applying.
Ready to unlock your property equity?
Get a same-day cash-out refinance quote from our capital desk.
Related Investor Resources
- 📊 DSCR Loan Rates — See current investor loan pricing
- 🧮 DSCR Loan Calculator — Run your numbers instantly
- 📋 DSCR Loan Requirements — Full qualification breakdown
- 🔨 Fix and Flip Loans — Short-term financing for renovations
- 🌉 Bridge Loans — Fast capital between transactions
Ready to move forward? Submit your deal for review or upload your documents to get started.