Cash Out Refinance for Rental Property in Phoenix AZPull Equity From Your Rental, Reinvest, or Improve
Sitting on equity in a Phoenix rental property? A cash-out refinance lets you pull that equity in cash and use it however you want — buy more rentals, fund renovations, pay off other debt, or just have a cash cushion. Investment-property cash-out is a smart way to scale a portfolio.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need Cash Out Refinance for Rental Property
Cash-out refinancing a rental property makes sense when you've built up equity (usually 25 percent or more) and you have a good use for the cash. Most investors use it to scale their portfolio — pull cash from one property to put a down payment on the next one. Others use the cash to renovate the existing rental, raise the rent, and increase cash flow. You can also use the cash to pay off higher-rate debt or just keep it as reserves. Rental property cash-out loans are slightly stricter than primary-home loans, but the math often works very well for investors.
Our Cash Out Refinance for Rental Property Process
Here's how we close your investment-property cash-out. Call or text me with the property address, your current mortgage info, and a rough estimate of value. I'll pull a soft credit check and quote you the best cash-out rates I can find. Once you say yes, we order an appraisal and collect a few documents — bank statements, the existing mortgage statement, and a rent roll. Most cash-out refis on rentals close in 30 to 40 days.
Cash Out Refinance for Rental Property Cost in Phoenix
Investment-property cash-out rates are higher than primary-home rates because lenders see rentals as higher risk. Your exact rate depends on credit, the loan-to-value ratio, and rental income. I shop dozens of investment-property lenders to find the lowest rate. You'll see every fee, rate, and term in writing.
Why Choose Us
I do cash-out refinances on Phoenix rentals all the time for investors building portfolios. Ten years in the business and 50-plus five-star reviews. Same-day response on every call and text. I'll always be honest about whether the math works for what you want to do with the cash.
Ready to Get Started?
Ready to pull equity from your rental? Call or text Mark at (480) 690-9790 for a free quote today.
For more investment financing options, see all of our Mortgage Lender programs in Phoenix.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.