Cash-Out Refinance
Your Equity Is Sitting Idle. Put It to Work in 7 Days.
Banks take 45 to 60 days and a mountain of documentation to release your own equity. We underwrite the property, issue terms in 24 hours, and fund business-purpose cash-out in as few as 7 days.
No seasoning requirements — refinance a recent purchase at today's value, not last year's price.
Program Parameters
Cash-Out Refinance
Unlock the equity in your investment properties. Use the proceeds for new acquisitions, renovations, or business purposes.
What Investors Do With Equity
Capital for the Next Move
Every one of these is a business-purpose cash-out we've funded — secured by California real estate.
Fund the Next Acquisition
The strongest offer is a cash offer. Pull equity from a stabilized property and buy the next one outright — then refinance the whole position once it's yours.
Renovation & Value-Add Capital
Fund the rehab of one property with the equity in another. Cheaper than a partner, faster than a bank, and you keep 100% of the upside.
Business Working Capital
Your business needs inventory, equipment, or expansion capital — and your real estate holds the equity to fund it. Business-purpose cash-out puts property equity behind business growth.
No-Seasoning Refinance
Bought under market value or forced appreciation fast? Banks make you wait 6–12 months to recognize the new value. We refinance at today's appraised value with no seasoning requirement.
Debt Consolidation on the Portfolio
Replace expensive or maturing debt across multiple properties with one clean first-position loan. Simpler payments, cleaner balance sheet, better position for the next lender.
Partnership & Estate Settlements
Buying out a partner or settling an estate distribution without selling the property. Cash-out against the asset keeps the property in your hands and closes the settlement.
The CDF Difference
Why Investors Pull Equity With CDF
No seasoning requirements — today's value, not purchase price
First-position trust deeds, clean structure
Asset-based underwriting — the property qualifies, not your tax return
Terms from 12 to 36 months for room to execute your plan
How It Works
From First Call to Funded in 4 Steps
A streamlined process built to close in as few as 7 business days.
Apply
Submit your loan inquiry online or by phone. We respond within 24 hours with an initial assessment and preliminary terms.
Underwrite
Our team evaluates the property and deal structure. We order the appraisal, title, and complete our due diligence.
Approve
Receive your commitment letter and clear closing conditions. We work with your escrow and title to prepare for funding.
Fund
Sign documents and receive your funds. We close in as few as 7 days from completed application. Fast, simple, done.
Common Questions
Cash-Out Refi Loan FAQs
What is a business-purpose cash-out refinance?
A loan secured by your investment property where the proceeds fund business purposes — acquiring property, renovations, business capital, or settling partnership interests. It's underwritten on the asset, which is why it closes in days instead of months.
How much equity can I access?
Up to 65% loan-to-value on California investment property, from $100K to $3M, at rates from 9.99% with terms of 12 to 36 months.
What does 'no seasoning requirement' mean?
Banks typically require you to own a property 6–12 months before refinancing at its current appraised value. We don't. If you bought below market or added value quickly, we lend against what it's worth today.
Do you require tax returns or income documentation?
Our underwriting is asset-based — focused on the property's value and the deal structure rather than personal income documentation. That's why self-employed investors and business owners close with us when banks stall.
How fast can I get the funds?
In as few as 7 business days from completed application. You'll have preliminary terms within 24 hours of your first call to (626) 796-1680.
Can I cash out on a property that has no mortgage?
Yes — free-and-clear properties are the cleanest cash-out transactions we do. We place a new first trust deed and you receive the proceeds at closing.
Explore More
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Tell Us About Your Deal
One call gets you a straight answer and preliminary terms within 24 hours. If we can't do the deal, we'll tell you that too — fast.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms shown are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831