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CRE Loan Hub
Commercial Real Estate Financing Hub with Property Types, Calculators, and Most of CRE Financing Options  
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💰 Equity Tool

Cash-Out Equity Calculator

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.

75%
Max Cash-Out LTV
Tax-Free
Loan Proceeds
30 Days
Typical Close Time
🏠

Cash-Out Equity Calculator

Find out how much you can access from your property

$
Appraised or estimated market value
$
Remaining mortgage balance
%
Most lenders cap at 70–75%
%
Rate on the new cash-out loan
#
Maximum Cash-Out Available
—

🏠 Property Equity Breakdown

Total Equity
—
in your property
New Loan Amount
—
New Monthly Payment
—
P&I on new loan
Equity Retained
—
remaining in property

💡 Smart Uses for Cash-Out Proceeds

  • Acquire additional investment properties and grow your portfolio
  • Fund value-add renovations to increase NOI and property value
  • Consolidate higher-interest business debt at lower CRE rates
  • Create operating reserves or fund business expansion capital
  • Pay down other high-LTV loans to improve your overall leverage position

Ready to unlock your property's equity?Get matched with cash-out refi lenders in 48 hours. No upfront fees.

Get Pre-Assessed Free →

Understanding Cash-Out Refinancing

Access your property's built-up equity without selling.

How Cash-Out Works

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.

LTV Limits for Cash-Out

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.

Impact on Cash Flow

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 vs. HELOC vs. Second Lien

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.

Frequently Asked Questions

Common questions about cash-out refinancing for CRE.

Unlock Your Property's Equity

Our advisors structure your cash-out refi for maximum proceeds at the best available terms — no guesswork, no upfront fees.

Get Cash-Out Analysis →

CRE CALCULATORS

23 Professional-Grade Financial Tools

Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

Loan Analysis

Investment Returns

Refinance & Costs

Lease & Valuation

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Jason Kim
Managing Director, Commercial Lending
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