Cash-Out Refinance Loans – Unlock Property Equity with HMLS

Why Choose HMLS for a Cash-Out Refinance Loan

HMLS cash-out refinance loans are designed for borrowers who value speed, flexibility, and certainty. Instead of focusing on tax returns or debt-to-income ratios, we focus on your property’s value and your strategy:

• Loan Amounts: $100,000 – $20 million
• LTV: Up to 65%
• Rates: Competitive hard money rates
• Terms: Short- and medium-term options available
• Closing Time: Typically 1–2 weeks
• Property Types:
  • Single-family rentals
  • Multifamily properties
  • Mixed-use properties
  • Commercial real estate
• No income verification required
• Credit-flexible approvals
• Nationwide lending (Florida-focused expertise)

We provide direct private lending, fast closings, and transparent terms—allowing you to access capital when banks move too slowly or say no.

How the HMLS Cash-Out Refinance Process Works

1. Apply Online or Call – Quick intake with basic property details
2. Property Review – We evaluate value, equity, and exit strategy
3. Approval & Terms – Clear structure, no surprises
4. Fast Closing – Typically within 1–2 weeks
5. Cash Disbursed – Funds wired at closing

Our process is designed to eliminate friction and get capital into your hands quickly.

What Is a Cash-Out Refinance Loan?

A cash-out refinance loan is a financing strategy that replaces an existing mortgage with a new, larger loan, allowing the property owner to receive the difference between the two balances as cash at closing. Instead of selling the property or taking on additional unsecured debt, borrowers access the equity they’ve built over time while maintaining ownership of the asset.

This type of refinance is commonly used by real estate investors and property owners who want to leverage appreciation, principal paydown, or market growth to generate liquidity. The funds received through a cash-out refinance can be used for a wide range of purposes, including reinvesting in real estate, funding renovations, consolidating debt, or strengthening cash reserves.

A cash-out refinance loan replaces your existing mortgage with a new loan that’s larger than your current balance. The difference is paid out to you in cash, which you can use for virtually any purpose—while keeping ownership of the property.

This strategy is especially popular among real estate investors looking to:

• Reinvest into new properties
• Fund renovations or value-add projects
• Consolidate high-interest debt
• Build liquidity without selling assets

Cash-Out Refinance for Investment Property Owners

A cash-out refinance for an investment property allows owners to convert built-up equity into usable capital without selling the asset or disrupting rental income. Instead of tapping personal savings or taking on unsecured debt, investors refinance their existing loan and receive the difference in cash at closing.

This strategy is commonly used by real estate investors to recycle capital—pulling equity from stabilized properties and reinvesting it into new acquisitions, renovations, or portfolio improvements. It’s especially effective in markets where property values have appreciated significantly, such as Florida and other high-growth regions.

Because approvals are equity-based, investors can often qualify even when traditional lenders decline the deal. With fast closings and flexible structures, a cash-out refinance investment property loan through HML Solutions allows owners to unlock capital efficiently—while maintaining control of the asset and positioning themselves for future growth.

Because HMLS evaluates the property itself, rather than personal income, you can qualify even if:

• You own multiple properties
• You’re self-employed
• Your income is complex or non-W2
• Traditional banks have declined your application

Turn your equity into opportunity — apply now.

Hard Money Cash-Out Refinance vs. Traditional Refinance

Traditional lenders often impose strict requirements on cash-out refinancing, especially for investment properties. These may include high credit score thresholds, extensive income verification, and lengthy underwriting timelines. As a result, many borrowers find it difficult to qualify—or miss opportunities due to slow approvals.

A hard money cash-out refinance, such as those offered by Hard Money Loan Solutions, follows a different approach. Instead of focusing on personal income or tax documentation, approvals are primarily based on the current market value of the property, the amount of available equity, LTV ratio, and the borrower’s exit strategy (refinance, sale, or long-term hold).

Because of this equity-based structure, cash-out refinance loans are often faster to close and more accessible for investors, self-employed borrowers, and owners with non-traditional financial profiles. When structured correctly, a cash-out refinance can be a powerful tool for unlocking capital while preserving long-term ownership and flexibility.

Hard money cash-out refinancing offers speed and flexibility that banks simply can’t match.

If timing, flexibility, or complexity are factors, a hard money cash-out refinance loan from HMLS is often the better—and sometimes the only—viable option.