What's the difference between refinance and cash-out refinance?

A refinance replaces the existing loan (rate and term); a cash-out refinance also lets you take equity out as cash.

Can I refinance out of a bridge or construction loan?

Yes — that's a common use, moving from short-term to long-term financing once a property is stabilized.

Does refinancing cost money upfront?

There are typically closing costs; whether refinancing is worth it depends on the savings. We'll help you assess.

Will the property need a new appraisal?

Usually yes — partners want a current value. We'll confirm requirements during your review.

Can I refinance multiple properties at once?

That's closer to portfolio financing. We'll route accordingly if that fits better.

How soon can I refinance after purchase?

Timing rules vary by partner (seasoning). We'll clarify what's available for your situation.

Investor Funding

Investment Property Refinance

Refinance an existing investment property loan.

Investment property refinance replaces an existing loan on an investment property with a new one — often to improve terms, extend the timeline, or move from short-term to long-term financing (e.g., refinancing out of a bridge or construction loan). It's a rate-and-term refinance: you're changing the financing, not pulling cash out (that's a cash-out refinance).

Explore Investment Property Refinance Help Me Find the Right Fit Call 877-315-5729

Minimum Requirements & Program Details

These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.

Investment Property Refinance Program

Reveal partner channel

Minimum loan: Requirements vary by program—request a funding review
Minimum credit: Requirements vary by program—request a funding review
LTV: Based on current property value and existing loan balance
Term / structure: Rate-and-term; long-term options can include 30-year financing

Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.

Common uses

Moving from short-term to long-term financing
Improving terms or extending amortization
Refinancing out of a bridge or construction loan
Simplifying an existing investment loan

When it fits

You have an existing investment property loan
A new loan offers better terms or a better structure
The property is stabilized and income-producing

Consider instead

How it generally works

1You provide details on the property, income, and existing loan.
2A partner underwrites a new loan to replace the existing one.
3The new loan pays off the old; you repay the new loan.
4Terms reflect the property's current value and income.

Factors funding partners may consider

Current property value and income
Existing loan balance and payoff
Your experience and reserves
Property type and condition

Documents to prepare

We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.

Initial Review

Existing loan statement / payoff
Rent roll or operating income

Additional Underwriting & Closing

Property appraisal
Entity documents

Curious whether this fits your situation?

Request a review — we'll confirm fit and suggest alternatives if another product suits you better.

Explore Investment Property Refinance

Illustrative scenario

An investor refinances a stabilized rental out of a short-term bridge loan into a longer-term DSCR loan, improving monthly payments. Actual terms depend on the partner and property.

How it compares to related products

vs. Cash-Out Refinance

A rate-and-term refinance changes the loan; a cash-out refinance also pulls equity out as cash.

Learn more

vs. Bridge Loan

Refinance is longer-term; a bridge loan is short-term to bridge timing.