Use our Cash Out Refinance Calculator to see how much equity you can access. Estimate new payments, LTV limits, and DSCR impact instantly with REIF Loans.
The Cash-Out Refinance Calculator helps you determine how much equity you can pull from your investment or primary property.
By estimating your loan-to-value (LTV) ratio, new loan payment, and debt service impact, this tool helps you understand the true financial potential of a refinance.
At REIF Loans, we simplify the refinance process—helping investors and homeowners use their built-up equity to fund new investments, renovations, or debt consolidation with clarity and confidence.
A cash-out refinance replaces your existing mortgage with a new, larger loan—allowing you to withdraw the difference in cash.
It’s a common strategy for investors and homeowners to access equity without selling the property.
Example:
If your home is worth $500,000 and you owe $300,000, you may be able to refinance for $400,000.
After paying off your existing loan, you’d receive $100,000 cash out, minus closing costs.
This approach helps fund new property purchases, renovations, or other investments while keeping your portfolio intact.
Estimate how much cash you can take out based on your home value, current balance, and LTV limits.
Our online Cash Out Refinance Calculator estimates how much equity you can access, your new monthly payment, and your resulting loan-to-value (LTV).
Your Loan-to-Value (LTV) and Debt Service Coverage Ratio (DSCR) determine how much you can borrow during a cash-out refinance.
By testing different refinance amounts, you can find the ideal balance between liquidity and property performance.
Refinancing isn’t just about lowering rates—it’s a tool to unlock capital and optimize your portfolio
Whether you’re scaling your portfolio or upgrading a property, a cash-out refinance can fuel your next move.
Use the calculator to model multiple refinance scenarios and see how each impacts your cash flow and return metrics.
Each scenario shows how the loan structure affects both your short-term payments and long-term returns.
Typically up to 70%–80% LTV for investment properties, or up to 85% for primary residences.
Yes. A larger loan increases your debt service, which can reduce your DSCR.
No strict limit, but lenders may have seasoning requirements (often 6–12 months).
Generally no, because refinance proceeds are considered borrowed funds, not income.
Yes. Many investors use cash-out refinances to fund new acquisitions or improvements.
Ready to unlock your property’s potential? Use our Cash-Out Refinance Calculator to see how much equity you can access, your new monthly payment, and your property’s post-refinance LTV.
At REIF Loans, we guide investors and homeowners through every refinance step with clarity, accuracy, and personalized support.
