2nd Mortgage Cash-Out Refinance for Real Estate Investors
Access equity from your investment property without disturbing your existing first mortgage. Keep your current low interest rate while unlocking additional capital for new opportunities.
- Keep Your Existing First Mortgage
- Fixed Rate Terms Available
- No Credit Pull Required
What Is a 2nd Mortgage Cash-Out Refinance?
A 2nd mortgage allows real estate investors to access available equity in an investment property while keeping their existing first mortgage in place. This can be especially beneficial for investors who already have a favorable interest rate on their primary loan and do not want to refinance the entire property.
Funds obtained through a second mortgage can be used for a variety of investment purposes, including property acquisitions, renovations, business expansion, debt consolidation, or other investment opportunities.
This program is designed for investors seeking additional liquidity without replacing their current financing structure.
Access Your Equity
Program Highlights
Capitalize on the equity in your investment properties without touching your favorable first mortgage rates.
Loan Amounts
Flexible loan amounts from $50,000 to $750,000 to fund your next big opportunity.
Fixed Rate Terms
Fixed rate terms available, giving you predictable and stable repayment structures.
10, 20 & 30 Year Options
Choose from 10, 20, and 30-year terms tailored to fit your specific investment strategy.
Keep Your 1st Mortgage
Access your hard-earned equity while keeping your existing first mortgage and rate perfectly intact.
Amortized Payments
Fully amortized monthly payments ensuring steady principal reduction over the life of the loan.
No Draw Feature
Receive your funds entirely upfront. There are no complicated draw schedules or holdbacks to manage.
AVM Valuations
Automated Valuation Models (AVM) are available on eligible loans for a faster appraisal process.
24-Hour Review
Fast 24-hour pre-qualification review, allowing you to move quickly on new real estate investments.
Leverage Guidelines
Credit & CLTV Requirements
The maximum combined loan-to-value (CLTV) depends on your credit profile.
720+
CREDIT SCORE
700+
CREDIT SCORE
680+
CREDIT SCORE
Eligible Property Types
Our 2nd Mortgage Cash-Out Refinance program is available for a variety of residential investment properties. Owner-occupied properties do not qualify.
- Single Family Homes
- Condominiums
- Townhomes
- 2–4 Unit Residential Properties
Basic Eligibility
To ensure a smooth underwriting process, please review our basic qualification guidelines before applying.
- Minimum six months ownership required on the subject property
- Property cannot have been listed for sale within the previous six months
- Rural properties are not eligible for this program
- Fixed-rate repayment structure applies to all approved loans
Credit Information: Applicants should know their current Experian, Equifax, and TransUnion credit scores before applying to determine exact CLTV eligibility.
Our Footprint
States We Fund In
Not all loan products are available in each state
Frequently Asked Questions
What is a 2nd mortgage cash-out refinance?
What can I use the funds for?
Do I have to refinance my current first mortgage?
What property types are eligible?
How much equity do I need to qualify?
How quickly will my application be reviewed?
Ready to Access Your Property Equity?
Unlock capital from your investment property while keeping your existing first mortgage in place.