Cash-Out Refinance

Pull equity from investment or commercial property by refinancing. Minimum loan amount: $500,000. Below that, we match you to a HELOC instead. We do not offer ground-up construction or fix-and-flip.

Apply now → Need under $500k? HELOC

$500,000 minimum. Short-term needs: bridge loan.

Property investor reviewing long term financing
$500k+ Minimum cash-out
Cash-out only $500,000 minimum

Cash-Out Refinance Programs

All cash-out refinance starts at $500,000. Need a smaller equity line? Apply for a HELOC.

$500k+
MINIMUM

Cash-Out Refinance

Refinance an existing mortgage and take cash out of investment or commercial property. Loan amount must be $500,000 or more.

$500k minimum • Investment & CRE
Apply Now →
HELOC
UNDER $500K

Home Equity Line

Need equity below $500,000? We do not do cash-out refinance at that size. A HELOC is the product we offer instead.

Revolving line • Primary / second home
HELOC application →
Bridge
SHORT TERM

Bridge Loan

Need to close fast on an investment property while you arrange takeout financing? Bridge is the short-term option — not a construction or flip loan.

6–24 months • Investment property
Bridge loans →

Why Cash-Out Refinance ($500k+)

$500,000 minimum

Cash-out refinance is only available at $500k+. Below that amount we match you to a HELOC — we do not stretch cash-out below the floor.

Take equity out

Replace the existing mortgage and pull cash from investment or commercial property in one close.

Not construction or flips

This is cash-out on property you already own. We do not originate ground-up construction or fix-and-flip loans.

Eligible Property Types

Cash-out refinance for commercial and residential investment properties — $500,000 minimum. Owner-occupied equity under $500k is a HELOC.

Commercial Properties

  • Retail centers & shopping plazas
  • Warehouse & industrial space
  • Hotels & hospitality
  • Family entertainment centers (FEC)
  • Office buildings
  • Mixed-use developments
  • And more

Residential Investment

  • Single family residences (non-owner occupied)
  • Duplexes & triplexes
  • Apartment complexes (up to 500 units)
  • Condominiums & townhomes
  • Multi-family developments
  • And more

Cash-out refinance starts at $500,000

We refinance investment and commercial property and take cash out only when the loan is $500,000 or more. Need less? That is a HELOC. Need a short-term close? That is a bridge loan. We do not offer ground-up construction or fix-and-flip.

Up to $50M

$500k+ cash-out

$500k min

Below that → HELOC

Up to 80%

Loan-to-value

Need $500,000+ cash-out?

Start the cash-out refinance application. If your amount is under $500,000, use the HELOC application instead.

Apply for cash-out →

Frequently asked questions

Straight answers about Loanable and this product

Cash-out refinance through Loanable starts at $500,000. Amounts below that are matched to a HELOC instead. Loanable is a marketplace, not the lender.

No. Cash-out is a refinance of property you already own at $500,000+. Ground-up construction and fix-and-flip are not offered.

Cash-out refinance replaces the first mortgage and requires a $500,000 minimum. A HELOC is a revolving second-lien line and is the product for cash-out under $500,000.