(949) 326-2820

Turn Rental Equity Into Your Next Property

Unlimited cash-out with no seasoning required, qualified on the property's rent. Or keep your first mortgage rate and pull equity with a stand-alone second — we will tell you which is better for your deal.

  • You have equity in a rental and a use for it
  • You would rather qualify on rent than tax returns
  • You want the equity working, not sitting
See What I Can Pull

Review your equity

STEP 1 OF 2 — YOUR DEAL

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STEP 2 OF 2 — CONTACT

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NMLS #133519 · Inc. 5000, 2022 and 2025 · Licensed in 47 states and DC · Direct lender, not a broker

How we qualify it

Gross rents ÷ PITIA = DSCR. The property carries the loan, not your personal income. Long-term, short-term and ADU rent can count. Under six months of ownership, additional reserve, DSCR and valuation conditions apply.

Why theLender

Two ways to reach the equity

A cash-out refinance replaces the first mortgage; a stand-alone second can leave an existing first mortgage untouched.

No middleman

We are the lender, not a broker. Nobody sits between you and the money or marks up your fees on the way through.

Decision makers in-house

Underwriting, pricing and credit happen under one roof, with fewer handoffs and direct answers.

Program facts

Unlimited cash-out subject to guidelinesNo seasoning requirement, with conditions under six monthsNo tax returnsLTR, STR and ADU income eligibleLLC and entity vestingStand-alone second liens available1–4 units, condos and PUDs

Common questions

How soon after buying can I pull cash out?

There is no seasoning requirement, but ownership under six months carries additional reserve, DSCR and valuation conditions.

Cash-out refinance or second mortgage?

It depends largely on the existing first-mortgage rate. We will compare both routes.

How much can I pull out?

Property value, rental income and credit profile determine the realistic range.

Does short-term rental income count?

Yes. Long-term, short-term and ADU income may qualify.

Can proceeds fund another property?

Yes, subject to program and underwriting requirements.

Tell us the property, rents and balance. We'll show you both routes.

See What I Can Pull