How much cash can I pull out?

Cash-out refinances go up to 80% LTV; rate & term refinances up to 85% LTV. Loan amounts range from $100k to $20M.

Is there a seasoning requirement to refinance?

No. You can refinance right after stabilizing a property — there is no minimum ownership period on our investor refinance programs.

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.

Cash-Out / Investor Refinance

Turn equity into a lump sum — or reposition the portfolio

Replace your current mortgage and walk away with cash, reduce your payment, or restructure rental debt to free up capital. Homeowners most often use cash-out to consolidate high-interest debt in one closing; investors refinance rental debt without tax returns via DSCR qualification.

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Key Advantages

Why Choose a Cash-Out Refi?

Here's what sets this loan product apart and who it works best for.

Equity to Cash

Pull equity out of your property for debt payoff, improvements, or the next acquisition.

No Seasoning Requirement

Investor refis can close right after stabilizing — no waiting period on ownership.

Investor Refis via DSCR

Rental refinances qualify on the property’s income — see the DSCR page for how qualification works.

Close in 10-14 Days

Fast, reliable closings so your capital is never stuck.

Calculator

Refinance Calculator

Compare your current loan to a potential refinance and see your savings.

Current Loan Balance$350K

$50K$2.0M

Current Monthly Payment (P&I)$2K

$500$15K

New Interest Rate

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

Cash-Out Amount$0

$0$500K

New Loan Term

Enter an interest rate above to see your results.

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

Eligibility

Qualification Requirements

General guidelines for Cash-Out / Investor Refinance eligibility. Requirements vary by lender and scenario.

Requirement	Guideline
Experience Required	First Time Investor OK
Minimum Credit Score	660
Liquidity	0% Down
Reserves	1-3mo. Reserves
Max LTV	80% Cash Out, 85% Rate & Term
Loan Term	30, 40 Yr or Interest Only
Closing Timeline	10 to 14 Days
Loan Amount	$100k - $20M
Asset Types	SFR, Condo, Townhome, 1-8 Units
Product Specifics	No Seasoning Requirement, Blanket Loan Option

These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.

FAQ

Frequently Asked Questions

Common questions about Cash-Out / Investor Refinance loans.

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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.

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Related Loan Products

Explore other products that may complement your strategy.

DSCR Loan

The rent qualifies — not your tax returns

DSCR (Debt Service Coverage Ratio) loans provide streamlined financing based on property cash flow rather than personal income. One program covers long-term rentals, short-term rentals like Airbnb and VRBO, and 2-4 unit multi-family — for acquisitions, refinancing, or portfolio growth.

Learn more

HELOC & Home Equity

Tap your home equity without touching your first mortgage

A Home Equity Line of Credit lets you draw funds as needed during the draw period, paying interest only on what you use — while your existing first mortgage stays exactly as it is. Great for home improvements, debt consolidation, or a financial safety net.

Learn more

Rental Property Loan

Own the rental. Let the rent do the qualifying.

Financing for rental properties — long-term leases, Airbnb/VRBO, and 2-4 unit multi-family — qualified on the property’s income rather than yours. Rental property loans are structured as DSCR loans: the full program details, specs, and calculator live on our DSCR page.

Learn more