Cash-Out Refinance Hard Money
Pull equity from your investment properties fast with hard money cash-out refinance. Up to 75% LTV in 10–21 days with no income verification — ideal for funding new acquisitions, BRRRR strategy, or consolidating expensive short-term debt.
About Cash-Out Refi Loans
Cash-out refinance hard money loans let real estate investors tap into the equity of properties they own — without the income documentation or long timelines of conventional lenders. Whether you’re completing a BRRRR cycle, funding a new acquisition, or consolidating high-cost debt, a hard money cash-out refi gets capital back into your hands in 2–3 weeks. You can later refinance into long-term DSCR financing once seasoning requirements are met.
Key Features & Benefits
Everything you need to know about what makes Cash-Out Refi financing a smart choice.
Fast Equity Access
Close in 10–21 days — far faster than conventional cash-out refi (45–60+ days).
No Income Documentation
Underwritten on property value and existing equity, not personal income or tax returns.
75% LTV Maximum
Pull up to 75% of the property’s current appraised value in cash.
Interest-Only Option
Interest-only payments maximize monthly cash flow during the short term.
Bridge to DSCR
Perfect intermediate step before refinancing into a 30-year DSCR rental loan after seasoning.
Multi-Property Refinance
Refinance a portfolio of properties in a single blanket loan structure.
Who Uses Cash-Out Refi Financing
- BRRRR strategy refinance after rehab/stabilization
- Extracting equity to fund next acquisition
- Consolidating multiple high-interest hard money loans
- Paying off private/unsecured loans at lower blended cost
- Funding major capital improvements on existing rentals
- Quickly accessing capital for time-sensitive opportunities
Qualifications & Eligibility
- Non-owner-occupied investment property (residential 1–4 unit or small commercial)
- Existing equity — typically 35%+ to hit 75% LTV maximum
- Credit score 660+ preferred (higher scores get better rates)
- Property in rentable / marketable condition
- Clear title with no unresolved liens
- Demonstrated ability to service interest-only debt or exit strategy
How It Works
Our streamlined process gets you from application to funding quickly.
Property Valuation
Submit property address, existing loan balance, and intended cash-out amount.
Term Sheet & Appraisal
Receive term sheet within 24 hours; lender orders appraisal to confirm LTV.
Underwriting
Property-focused underwriting — title, insurance, and borrower credit.
Close & Fund
Close in 10–21 days with wire of proceeds after paying off existing loan.
Exit Plan
Sell the property, refinance into a 30-year DSCR loan, or pay down principal.
Why Choose Growth Fund Partners for Cash-Out Refi
Frequently Asked Questions
Common questions about Cash-Out Refi loans answered.
How does this differ from a conventional cash-out refinance?
Conventional cash-out takes 45–60+ days and requires full income documentation. Hard money cash-out closes in 2–3 weeks without income docs but at higher rates suited for short-term bridging.
How much equity do I need?
To pull cash out to 75% LTV, you typically need 35%+ existing equity. Some programs go to 80% LTV for strong borrowers with seasoned properties.
Is there a seasoning requirement?
Most hard money lenders have NO seasoning requirement on cash-out refi — ideal for BRRRR investors who want to recycle capital quickly after renovation.
Can I refinance into a long-term loan later?
Yes — most investors refinance into a 30-year DSCR rental loan after 3–6 months of rental history, locking in long-term fixed rates.
Related Loan Programs
Explore similar financing options that might fit your needs.
Ready to Apply for Cash-Out Refi Financing?
Get pre-qualified in minutes. No impact to your credit score.