Cash-Out Refinance
Cash-out refinance lets property owners tap equity in stabilized investment or commercial properties without selling. Pull capital for new acquisitions, renovations, business expansion, or debt consolidation while retaining ownership.
Start with a quick overview of your deal.
Tell us about your project and we'll respond within 48 hours with next steps — no upfront fees, no obligation.
Why choose cash-out financing with Yoder Funding.
Access equity in stabilized properties
Fund new acquisitions without selling existing assets
Consolidate higher-rate debt
Fixed and adjustable rate options
Available on residential investment and commercial properties
What lenders typically look for.
Requirements vary by program and lender. We match your deal to the right fit.
- ✓Property must be stabilized with demonstrated income or value
- ✓Loan-to-value typically 65–75% depending on property type
- ✓Credit scores typically 620–680+ depending on program
- ✓Seasoning requirements — typically 6–12 months ownership
- ✓Appraisal confirming current market value
Common questions about cash-out loans.
How much equity can I pull out?
Most programs allow cash-out up to 65–75% of current appraised value, depending on property type, occupancy, and credit profile.
Is there a seasoning requirement?
Most lenders require 6–12 months of ownership before allowing cash-out. Some programs allow immediate cash-out on recently acquired stabilized properties.
Can I cash-out refinance a fix and flip I just completed?
Yes. Once the property is renovated, leased, or appraised at stabilized value, many investors refinance into long-term DSCR or commercial debt and pull equity for the next deal.