Hard Money Cash-Out Refinance
Need fast access to your property’s equity without income documentation? Our hard money cash-out program is asset-based — we lend based on the property value, not your tax returns. Close in as little as 5–10 days.
Program Highlights
- Up to 90% CLTV — maximize your equity access
- No income documentation required
- No tax returns, no W-2s
- Credit score flexible — asset-based approval
- Single-family, multi-family, mixed-use eligible
- Close in 5–10 business days
- Loan amounts from $75,000 to $5M+
What Is Hard Money Cash-Out?
A hard money cash-out refinance replaces your existing mortgage with a new loan that’s larger than what you owe — you pocket the difference as cash. Unlike conventional loans, hard money lenders focus on the property’s value and your equity, not your income or credit score. This makes it ideal for investors, self-employed borrowers, or anyone who can’t document income through traditional means.
Eligible Properties
We lend on non-owner-occupied residential and commercial properties including: single-family rentals, fix & flip, new construction, multi-family (1–4 units), mixed-use, and small commercial properties.
Common Uses
- Fund a new property purchase
- Renovation or rehab capital
- Business working capital
- Consolidate existing debt
- Bridge to longer-term financing
Get a Hard Money Cash-Out Quote in Minutes