Lower the rate, or pull the equity out.
Retire a maturing loan or recapitalize a property you already hold — underwritten against today's value and today's coverage, not the terms you signed years ago.
Refinance & cash-out, sized to the deal.
- Amount
- $500K – $25M
- Leverage
- Up to 75% LTV
- Term
- 5 – 10 yr
Indicative ranges only — not a quote or commitment to lend; your actual amount, leverage, and term are set by underwriting and property details.
Who this program fits.
- A loan maturing into a materially different rate environment than the one it closed in
- An owner who wants to pull trapped equity out without selling a performing asset
- A property whose income has improved since the original financing was underwritten
- A sponsor who wants the refinance conversation to start with a year of runway, not sixty days
From submission to funding.
Map the loan
Send the current loan documents, maturity date, and outstanding balance alongside a current rent roll.
Term sheet in 48 hours
We re-underwrite the property at today's value and coverage, then quote real terms against the binding constraint.
Diligence in parallel
A fresh appraisal and title work run alongside underwriting, not after it, to protect the maturity date.
Close & fund
Fund before the existing loan matures, with cash-out proceeds released at closing where the deal supports it.
What this could look like.
Illustrative deal — hypothetical, not an actual closed transaction
A borrower's loan on a small office building is maturing into a higher-rate market than the one it was written in. The property's income has grown since origination, so the refinance is sized against the improved NOI and current coverage rather than the original terms — freeing a slice of cash-out alongside the new, longer-term note.
Let’s underwrite your deal.
Send us the property and the plan. You’ll have a real term sheet — not a maybe — within two business days.