Fast Cash‑Out Refinance for 600+ Credit
Access 30-Year Term & Short-Term
Fix Flip Funding!
600+ Credit - No
Seasoning on Title -
Cash Out Refinance
30 Year Financing
Or 12-24 Month Bridge
Renovation & Construction Take
Out Loans With
Cash Out!
For No Seasoning On Title Loans
Our cash‑out refinance program with no seasoning on title requires 90% of improvements to be completed on the property. Perfect for investors — no prior experience required.
Renovation & Construction Take‑Out Loans
These cash‑out refinance options give builders & fix‑and‑flip investors the flexibility to access funds before a project is completed. We base funding on the current “as‑is” value at your project’s current stage.
General Funding Guidelines
Funding Available In The Following States:
AR, AZ, CA, ID, KY, MN, OH, OK, PA, SC, TN, TX, VA, WA, WI
Program Highlights:
No Minimum Seasoning On Title!
No Prepayment Penalty!
No personal income verification!
Close in about 15 business days with clear title!
No escrows of taxes and insurance!
Single family, 2-4 units, condo’s & townhomes!
Properties listed for sale OK!
Vacant properties OK!
No employment verification!
Up To 80% LTV!
24 Hour Pre-Qualification With No Credit Pull Required
Qualifying Credit/Experience & Loan Amounts
– Minimum qualifying credit score is 600+.
– Qualifying credit score of 700+ required for max 80% LTV cash out (available only when renovation included).
– Loan amounts are from $100,000.00 – $5,000,000.00 for single family and 2-4 units, including condo’s and townhomes.
Term Of Financing
– 30 year term available.
– Short term 12-month bridge and long term 30-year financing available.
Property Types
– Single Family, 2-4 units, town-homes, condo’s.
Seasoning on Title Requirement
Our cash‑out refinance programs have no seasoning requirement to use the current appraised value,
- As long as 90% of improvements are complete.
- After 6 months on title, we use the current appraised value for funding.
Title Vesting
- Close your cash‑out refinance in your personal name or a business entity (LLC, S‑Corp, C‑Corp).
Property Appraisal
- All cash‑out refinance loans require a traditional property appraisal.
Required Documents For Underwriting Approval
– Clear and legible copy of government issued ID (all members of business entity)
– Copy of HUD Settlement Statement from acquisition of property
– Copy Of IRS EIN Letter for business entity (if applicable)
– Copy of Articles of Organization for LLC or Incorporation for a Corporation (if applicable)
– Copy of Operating Agreement for LLC or Corporate Charter/Bylaws for Corporation
– For Properties Renovated Within Last 12 Months: Copy of original scope of repair work OR list of repairs with associated cost (TEMPLATE PROVIDED).
