Financing · 9 min read

When and How to Refinance an Investment Property

Rate refis, cash-out refis, portfolio loans — the playbook for active investors.

Rate Refinance Math

Refinance when the rate drops 100bps below your current note AND you'll hold the property long enough to recover closing costs (typically 24–36 months).

Cash-Out Refinance

Lets you extract equity for the next acquisition. Most investor cash-out programs cap at 75% LTV with 6+ months seasoning.

Portfolio and Blanket Loans

Once you own 5+ properties, portfolio lenders can refinance the entire group as one loan — simpler servicing, sometimes better rates.

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