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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.  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.  We offer two ways to get cash out of your investment property; refinance the entire mortgage or leave the original mortgage in place and use a 2nd lien to access the equity. Either way we strive to make it a smooth and hassle-free experience.

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Use a 2nd Lien to Access the Equity in Your Investment Property.

1-4 Units

30-Year Fixed

Minimum Credit 680

DSCR >1.0 

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.

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  • Will the current property appraise high enough to access additional cash?

  • Is your property seasoned? In other words, have you owned the property for three to 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.

  • Is the current rental income enough to cover a higher mortgage payment? Most lenders want to see a DSCR >1.0

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