Cash Out or Refinance
Access equity, improve loan structure, or move into a longer-term strategy.
Put trapped equity to work or restructure existing debt, with cash-out and rate & term options across basic 1–4 unit rentals and unique commercial scenarios.
Who it's designed for
Investors who have built equity in a property and want to recapture capital, restructure existing debt, or transition into a more strategic long-term loan.
Maximum Leverage
Up to 80%
Loan-to-value on 1–4 unit cash-out with higher credit scores
- 1–4 units up to 75% LTV, 80% with higher credit scores
- 1–4 units second-position financed up to 80%
- 5+ units up to 75% LTV
- Manufactured homes allowed
Shown as a maximum. Actual terms vary by scenario.
Common Uses
- Pulling equity out to fund the next acquisition
- Rate & term refinancing into better long-term structure
- Financing a second-position loan up to 80% on 1–4 units
- Restructuring existing debt across commercial and mixed-use assets
Typical Property Types
What We Look At & What to Gather.
- 1–4 units up to 75% LTV; 80% with higher credit scores
- 75% LTV for mixed-use, multi-unit, condotels, and non-warrantable condos
- 70% LTV for commercial (mobile homes, warehouse, storage, retail, office, daycare, automotive)
- Bad credit? 50% LTV available for cash-out or rate & term refinancing
- Property address and current value
- Existing loan balance and payoff figures
- Current lease and rent roll
- Borrower credit range and liquidity
All programs, terms, leverage figures, and approvals are subject to borrower, property, lender, location, and program qualifications and current guidelines. Figures shown are maximums using “up to” language and are not a commitment to lend, a guarantee of terms, or an offer of credit.
Have a Deal? Let’s Look at It Together.
Submit the property and borrower scenario. Total Advantage Solutions will review the information, identify potential loan options, and explain what is needed next.