Lending programs / Transaction review
Cash-Out Refinancing
A review of refinance scenarios that access available equity in qualifying investment or commercial real estate.
Program overview
Put property equity into the plan.
A cash-out refinance request connects current property value, existing obligations, the purpose of the new proceeds, and the repayment strategy. We review available equity and the transaction’s structure before discussing potential terms.
Common financing scenarios
- Refinance of qualifying investment or commercial property
- A documented property or business purpose for additional proceeds
- A collateral-based request with a supportable repayment plan
Underwriting review
| Collateral review | Current value, existing liens, available equity, loan purpose, liquidity, and repayment. |
|---|---|
| Loan amount & leverage | Determined after reviewing property value, existing debt, borrower equity, and the funding source’s requirements. |
| Rate & points | Quoted for the individual transaction. Pricing depends on structure, leverage, property profile, and funding acceptance. |
| Loan term | Structured around the business plan and repayment timeline, subject to the capital provider’s criteria. |
| Closing conditions | Valuation, title, insurance, entity or borrower documentation, and other conditions identified during review. |
Information to prepare
- Property summary and current condition
- Purchase agreement or current debt statement
- Support for estimated as-is value
- Borrower experience and available equity
- Proposed exit strategy and timeline
These are initial review criteria, not an exhaustive checklist. Additional requirements depend on the property, borrower, purpose, and funding source. Availability and terms are not guaranteed.
Let’s review your next transaction.
Start with the property, the financing need, and your exit strategy.