Construction & Renovation Take Out Loans for Real Estate Investors
Refinance recently renovated investment properties and access your equity without a waiting period. Designed for investors who need a faster path from renovation completion to long-term financing or cash-out opportunities.
- No Income Verification
- No Waiting Period
- No Credit Pull Required
Unlock Capital Sooner
Construction & Renovation Take Out Loans
Construction & Renovation Take Out Loans are designed for real estate investors who have completed, or are close to completing, the renovation of an investment property and want to refinance based on the property’s current value. These programs provide an opportunity to access built-up equity and reposition the property into a financing solution that better fits the investor’s long-term goals.
Many traditional lenders require investors to wait up to six months or a year before refinancing a recently renovated property. With IRF, eligible investors may refinance without a waiting period once the property has reached the required level of completion. This allows investors to unlock capital sooner and move on to their next investment opportunity more efficiently.
Whether you’re looking for a cash-out refinance after a successful renovation or long-term financing for a stabilized investment property, this program offers flexible solutions designed specifically for the needs of real estate investors.
Who This Program Is For
Recently Renovated Properties
Have you completed 90% or more of your renovation project? This program allows eligible investors to refinance or access equity without waiting, helping them move on to their next investment opportunity sooner.
Seasoned Investment Properties
If you have owned an investment property for six months or longer, you may qualify to refinance based on the property's current value and secure financing that aligns with your investment goals.
$100K–$5M
600+
Up to 80%
15–20 Days
Credit & LTV Tiers
Choose the financing option that best aligns with your credit profile and investment goals.
600–659 Credit
12–24 Month Bridge Financing
Designed for investors seeking short-term financing solutions while completing renovations, stabilizing a property, or preparing for long-term refinancing.
660+ Credit
Cash Out & Rate-Term Refinance Options
- Up to 65% LTV Cash Out
- Up to 70% LTV Rate & Term Refinance
Ideal for investors looking to access equity or improve their financing structure after completing a project.
680+ Credit
Enhanced Cash Out Opportunities
- Up to 80% LTV Cash Out
- Available in selected states only
Provides qualifying investors with increased access to equity through higher leverage options.
Program Highlights
No Waiting Period for eligible properties with 90%+ renovation completion
No Personal Income Verification Required
No Prepayment Penalty on Bridge Loan Programs
Designed Specifically for Real Estate Investors
Properties Listed for Sale May Qualify
Vacant Properties Eligible
Financing Options
Review the paths below to see which financing structure best aligns with your exit strategy.
30 Year Fixed Financing
Ideal for investors seeking long-term stability after completing a renovation project. Refinance into a fixed-rate solution designed to support rental income strategies and long-term property ownership.
12–24 Month Bridge Financing
A short-term financing option for investors who need flexibility during or immediately after a renovation project. Bridge financing can help investors access equity while preparing for a future exit strategy or long-term refinance.
our footprint
States We Fund In
Not all loan products are available in each state
guidelines
General Eligibility Guidelines
Please review the guidelines below to better understand the common requirements for Construction & Renovation Take Out Loans. Specific requirements may vary depending on the financing option selected. Click on each heading to view the details.
Title Requirements
Any outstanding title issues must be resolved before funding approval.
Closing Options
Recently renovated properties may qualify without a waiting period, provided program requirements are met.
Property Appraisal
Appraisal fees vary by market and are typically paid upfront before the appraisal is ordered.
The final loan amount will be based on the approved valuation and program guidelines.
Required Documentation
Property ownership documentation (for refinance transactions).
Purchase contract (if applicable).
Organizational documents for the borrowing entity, if required.
Additional documents may be requested during underwriting based on the specific transaction.
knowledge center
Frequently Asked Questions
What is a Construction & Renovation Take Out Loan?
How does the no waiting period feature work?
What does 90% renovation completion mean?
Can I qualify with a 600+ credit score?
Are vacant investment properties eligible?
Can I refinance a property that is currently listed for sale?
What documents are required to apply?
How long does the closing process take?
Ready to Cash Out Your Renovation?
You have already invested the time, effort, and capital into improving your property. Let IRF help you unlock your equity and move forward with your next investment opportunity.