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Cash‑Out / Investor Refinance · Turn equity into cash

Cash-Out / Investor Refinance: Turn equity into a lump sum — or reposition the portfolio.

Replace your current mortgage and walk away with cash — pay off high-interest debt in one move — or refinance rental debt to free up capital. Cash-out works on primary homes and investment properties; investor refis qualify on rent via DSCR, with no tax returns. We’ll price it straight and show you the trade-offs.

  • Primary Homes & Investment Properties — Most popular use: wiping out credit cards and high-interest debt in one closing.
  • No Title Seasoning on DSCR Cash-Out $100K+ — Refinance right after purchase or rehab, qualified on today’s appraised value. Under $100K carries 6-month title seasoning. see how it works →
  • Investor Refis via DSCR — Rental refinances qualify on the property’s income — see the DSCR page for how qualification works.
  • LLC-Titled Properties OK — Investment properties held in an LLC can refinance without moving title.

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

What type of property is this?

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Loan amounts
$75K–$5M
Max LTV, primary home
80%
Max LTV, investment
75%
Investment vesting
LLC OK

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Run the Numbers

Run your Cash-Out Refi numbers.

Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.

HELOC Calculator

Estimate your available equity and draw payment — interest-only or fixed.

$700K
$100K$5.0M
$400K
$0$700K
$50K
$0$230K
Rate Type
%

Enter the rate you want to model — we don’t advertise rates; your pricing is quoted individually.

Enter an interest rate above to see your results.

Opens the 60-second options check with your numbers filled in — no hard credit pull.

Already know you want it? Start your full application. Prefer to talk it through? Book a call with Anthony.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Know Before You Apply

Can we fund your deal? Check before you apply.

The Cash-Out / Investor Refinance guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

Cash-Out / Investor Refinance requirements

What you need

  • Loan Amount: $75K – $5M
  • Max LTV (Conventional cash-out): 80% primary · 75% investment
  • Max LTV (DSCR cash-out): 80% with 1+ year on title, otherwise 75%
  • Texas: Home-equity lending capped at 80% CLTV by state law
  • Vesting: Personal name or LLC (investment)
  • Where we lend: Available for primary residences in 30 states; investment properties in 44 states plus Washington, D.C. — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Recently Funded

Recently funded: Cash-Out Refi.

A sample of loans funded for clients across the country — borrower details omitted for privacy.

  • Non-QM Cash-Out Refi

    Tampa, FL · Funded Aug 2026

    $346,500

Examples of actual funded transactions; borrower details omitted for privacy. Past transactions are not a guarantee of loan approval or terms. All loans subject to credit approval.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “Start to finish in just 4 business days — honestly unreal. The entire process was smooth, fast, and stress-free. Anthony Huynh went above and beyond every step of the way and made everything feel easy. Couldn't have asked for better service. Highly recommend!”
    Kevin R · Paradise Valley, AZ · Apr 2026Verified client review

  • 5 out of 5 stars

    “Great salesman and def deserve all the stars the world have to offer. Thanks for finishing up my loan. Much appreciated.”
    Zhong Z · Memphis, TN · Apr 2026Verified client review

  • 5 out of 5 stars

    “Had a great experience with Anthony. He was professional, patient, and very helpful in explaining the process clearly. Anthony's support made everything smooth and stress-free. Highly Recommended. Thank you Anthony”
    NF · Peoria, ArizonaVerified client review

FAQ

Frequently Asked Questions

Common questions about the Cash-Out / Investor Refinance.

How much cash can I pull out?

Loan amounts run from $75,000 to $5,000,000. Conventional cash-out goes to 80% LTV on a primary home and 75% on an investment property; DSCR cash-out goes to 80% with a year or more on title, otherwise 75%. Texas home-equity lending is capped at 80% by state law.

Is there a seasoning requirement to refinance?

Not on DSCR cash-out refinances of $100,000 or more — you can refinance right after purchase or rehab on today’s appraised value. Under $100,000 carries 6-month title seasoning.

Should I do a cash-out refinance or a HELOC?

It depends on your current first mortgage and how much you need. A cash-out refi replaces your whole loan; a HELOC sits behind it and leaves it untouched. We price both and show you the trade-offs straight — if the HELOC beats the refi for your file, we’ll say so.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

Ready to explore Cash-Out / Investor Refinance?

Answer a few quick questions and get a personalized strategy recommendation — including whether Cash-Out Refi is right for your situation. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.