Calculate how much equity you can pull from your commercial property. See your maximum cash-out amount, new loan terms, and the impact on monthly payments.
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You replace your existing mortgage with a larger one and receive the difference in cash. If your property is worth $1.5M, you owe $600K, and you refinance at 75% LTV ($1.125M), you receive $525K in cash — tax-free because it's loan proceeds, not income.
Most conventional CRE lenders cap cash-out at 70–75% LTV. SBA programs don't allow cash-out refinancing. Bridge lenders may go to 65–70%. The more equity you leave in, the better rate and terms you'll receive on the new loan.
A larger loan means higher monthly payments. Ensure your property's NOI can support the new debt service at a 1.25x+ DSCR. If the cash-out proceeds fund income-producing improvements or acquisitions, the net effect on your portfolio can be positive.
Cash-out replaces your entire first mortgage. A commercial HELOC provides a revolving credit line. A second lien sits behind your first mortgage. Cash-out typically offers the lowest rates and simplest structure but requires refinancing the whole loan.
Common questions about cash-out refinancing for CRE.
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