Residential refinance & cash-out refinance.
Source rate-and-term refinance and cash-out refinance on 1–4 unit investment property from pre-vetted direct lenders. DSCR cash-out (the BRRRR refi engine), hard money refi, non-QM bank statement refi, owner-occupied business-purpose. Up to 80% LTV cash-out, no personal income on DSCR, 0–90 day seasoning options.
Why source residential refinance + cash-out
The BRRRR refi engine, plus everything else.
BRRRR cash-out routing
Speedy tracks the original acquisition and auto-routes the refi package to DSCR direct lenders at stabilization. One client, two commissions.
Up to 80% cash-out LTV
Direct DSCR lenders on the platform offer cash-out at 75-80% LTV — top of the market. Pull more equity, scale into the next deal.
Seasoning flexibility
0-day, 30-day, 60-day, and 90-day seasoning options across direct lenders. Pick the timing that fits the borrower's rehab schedule.
Renewal radar
Speedy tracks every funded loan's maturity date and surfaces refinance opportunities before another broker poaches the client.
Refinance + cash-out products
Six refinance paths.
DSCR cash-out
The BRRRR engine. Up to 80% LTV cash-out, 7.4% median rate. Qualify on rent, no personal tax returns.
BRRRR sequenced refi
Speedy tracks the hard-money buy and auto-routes refi at stabilization. Two fundings, one client.
Hard money refi
Asset-based bridge refinance. No-doc, fast. Used to take out an existing hard-money loan or rescue a failing deal.
Non-QM bank statement refi
Self-employed borrowers, bank-statement income. Lower rate than hard money, faster than conventional.
Owner-occupied (business)
Owner uses home equity for business purpose. Distinct from consumer cash-out — less doc, business reason.
HELOC (primary residence)
Home equity line of credit on owner-occupied primary residence. Often used as down-payment fuel for the next investment.
Side-by-side
Compare residential refinance products.
| Product | Best for | Rate | Max LTV | Seasoning | Prepay |
|---|---|---|---|---|---|
| DSCR cash-out | Stabilized rental, BRRRR refi | 6.5–8.0% | 80% | 0–90 d | 5/4/3/2/1 typical |
| Hard money refi | Take-out, rescue, bridge-to-perm | 10–12% | 70% | none | none |
| Non-QM refi | Self-employed, bank statement | 7.5–9% | 80% | varies | option |
| BRRRR sequenced | Buy + rehab + rent + refi | mixed | mixed | 0–90 d | mixed |
| HELOC | Primary residence equity | 8–10% | 85% CLTV | none | none |
| Owner-occ. business | Owner-user equity, business purpose | 7.5–9.5% | 75% | varies | varies |
FAQ
Refinance + cash-out, answered.
What is a cash-out refinance on an investment property?
What is the seasoning requirement on cash-out refinance?
Can no-doc and low-doc refinance be sourced here?
What is the maximum LTV on cash-out refinance?
Are prepayment penalties common on residential refinance?
How does BRRRR refinance sequencing work on Ask Speedy?
Refinance and cash-out, sourced direct.
Updated 2026-05-10