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Equity Cash-Out Refinance Loans

At NSS Lending, LLC, we understand that owning investment property can be a great way to build wealth over time. That’s why we offer cash out refinance loans, which provide you with access to the equity in your investment property.
Our team of experienced mortgage professionals will guide you through the loan process, helping you to understand all the available options, so you can make an informed decision. We strive to make it easy to access the equity in your investment property, and ensure a smooth and hassle-free experience.

White colonial style home


5/1 ARM (Fully Amortizing)

7/1 ARM (Fully Amortizing)

30-Year Fixed

Interest-Only Options

Minimum Credit 660

Having Equity in a Rental Property Is Like Having Money in the Bank; It’s Not a Productive Use of Funds

If you’re an investor wanting to grow your portfolio of properties, you may want to consider accessing the equity in one (or more) of your income producing investment properties, leaving other assets, such as your retirement funds or personal home equity untouched, and use it to purchase additional income producing real estate 

Now, while we have made the idea of accessing the equity in your investment property appear quite simple, there are certainly things that you as an investor need to consider first.

Publishing House
  • Will the current property appraise well?

  • Is your property seasoned? In other words, have you owned the property for three, six months, a year or more? Some lenders will not refinance a property until you’ve owned it for a period of time and show a history of rental payments.

  • Are your current tenants paying enough or do you need to find new tenants?


A cash-out refinance is done by refinancing the current mortgage into a larger loan and taking the equity out in a cash payment at closing. Something to keep in mind, is that more often than not, the lender will not allow you to access more that 75% of the appraised value of the property.


For example, you have a property worth $300,000

75% of $300,000 is $225,000 that you can refinance into a new loan on your existing property.


You need to pay off your current mortgage, in this example, we will use $110,000

$225,000 - $110,000 = $115,000 (less closing fees) that you can receive at the closing table.

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