Cash-out refinance: take your equity as cash, or restructure the rental portfolio.
Trade your mortgage for a bigger one and keep the difference, to clear expensive debt at closing or free up capital tied up in your rentals. Homeowners can refinance for a different payment or term, too.
Check My Cash-Out Options
What's your primary goal?
Pick the one that sounds most like you.
Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
No credit check to complete this quiz · your info is never sold
60 seconds · no hard credit pull · never sold
- Investor cash-out through DSCR: the rent qualifies, no tax returns, up to 75% of value.
- No title seasoning on a DSCR cash-out of $100K or more: refinance as soon as you close or finish a rehab, on what the property appraises for today (6 months on title under $100K).
- Rentals titled to an LLC are fine, and the LLC can keep title through the refinance.
- Cash out up to 80% of value on a primary home (up to 100% on a VA cash-out).
- Pay off credit cards, auto loans and personal loans in one closing.
- 620+ credit for standard terms. Below 620: a home you live in while you owe under 65% of its value, wherever Arran is licensed (in California, a higher balance works too), and rentals up to 50% of value, counting the new loan.
- Homeowners: a rate-and-term refinance to change the payment, or move from a 30-year to a 15-year term.
- Loans from $75,000 to $5,000,000.
- Available in all 35 states + D.C. where Arran is licensed.
Rather just talk? Call or text us at (949) 401-7593
$75K–$5M
Loan amounts
Primary + rental
Property types
LLC
Vesting OK on rentals
80%
Max cash-out, primary home
75%
Max investor cash-out on DSCR
How much of your value you can reach depends on your credit, the property and the program. All loans subject to credit approval.
Straight Answers Up Front
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.
We can help with:
- Cash-out refinances on primary homes and investment properties
- Investor cash-out on DSCR: the rent qualifies, up to 75% of value, no title seasoning at $100K+
- LLC-titled rentals
- Cash out up to 80% of value on a primary home at 620+ credit
- Rate-and-term refinances for homeowners
- Below 620: homes you live in while you owe under 65% of value (higher in California), and rentals up to 50% of value, counting the new loan
- Loans from $75,000 to $5,000,000
We're not the right fit for:
- Below-620 refinances of a home you live in when you owe 65% of its value or more, outside California (a Home Equity Investment may work in AZ, CA, CO, FL, OH, OR, PA, TN, UT & WA)
- Rental refinances under 620 credit above 50% of value, counting the new loan
- Loans under $75,000
- Properties outside the 35 states + D.C. where Arran is licensed
If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.
Simple Qualifications
Equity and a plan: that's most of it.
For homeowners clearing debt and investors repositioning a portfolio.
Good Fit If
You have equity and a use for it.
- Real equity in a primary home or a rental
- A clear use for the cash: debt payoff, improvements or the next property
- 620+ credit, or one of the below-620 paths above
- Rentals you want to refinance to free up capital
What You Skip
The parts of a refinance that slow people down.
- No income documents on a DSCR investor refinance
- No tax returns when the rent qualifies
- No guesswork: you see the trade-offs before you commit
- No hard sell: when a HELOC fits better than a cash-out, that's what we recommend
Calculator
Refinance Calculator
Cash out from your equity, or compare a lower payment.
What do you want to do?
Property
Closing costs (share of the new loan)
Enter the rate you want to model. We don’t advertise rates; your pricing is quoted individually.
Est. Cash to You
$165,600
Your Equity
$300,000
Max New Loan (80% of value)
$480,000
Cash-out goes up to 80% of value on a home you live in.
Want to keep your first mortgage as it is? A HELOC could reach about $240,000 (up to 90% of value counting your current loans, 80% in Texas).
Fills in the quiz at the top of this page. This button sends nothing.
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Products
A program for nearly every scenario.
More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.
- Our Most Popular Product
5-Day HELOC
Qualify on household income, no income docs at 680+ on lines of $150K+, keep your low-rate first mortgage
See HELOC options → - ★ Self-Employed
P&L Loan
Your accountant prepares a profit and loss, and that income qualifies you
See P&L Loan options → - Investors
Investment (DSCR)
The rent qualifies, not your W-2
See DSCR options → - Buy & Hold
Rental Property Loan
Long- or short-term rentals, 1–4 units: the rent qualifies, 20% down to buy
See Rental Loans options → - Speed
Hard Money
Asset-based: close in days, not months. Purchase or refinance
See Hard Money options → - Strong Credit
Conventional
620+ credit. Up to 80% LTV cash out, 95% LTV rate and term
See Conventional options → - Primary Residence
FHA Loan
3.5% down at 620+. Up to 80% LTV cash out, 97.5% LTV rate and term
See FHA options → - Veterans
VA Loan
Veterans and active duty: 0% down at 620+, no PMI, up to 100% LTV
See VA options → - No Monthly Mortgage Payment
Reverse Mortgage
55+: equity access, no monthly mortgage payment
See Reverse options → - Credit From 500
Equity Investment (HEI)
Cash for your equity. No monthly payments, credit from 500
See HEI options → - Bank Deposits
Bank Statement
Your bank deposits qualify you, not your tax returns
See Bank Statement options → - No Income Docs
No-Ratio
Investment properties: 680+ credit, no income docs, up to 65% LTV
See No-Ratio options → - Buying a Home
Purchase
Get pre-approved for your next home
See Purchase options → - Let the quiz decide
Not Sure? Show Me Options
Fill out the quiz and Arran will personally match your scenario to the right program you qualify for
Find my program →
Our Process
From first question to funded, in four steps.
No guesswork. No pressure. Just a clear path to the right loan.
- 1
Tell us your scenario
Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.
- 2
We shop your options
We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.
- 3
Apply and get approved
Complete the full application. We tell you up front which documents your program needs, and nothing more.
- 4
Close, and keep us on call
Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.
FAQ
Frequently Asked Questions
Common questions about Cash-Out & Investor Refinance loans.
Get Started Today
Straight answers, fast.
Check your Cash-Out Refi options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.
Rather pick a time? Book a call
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.