Cash-Out Refinance Loans on Investment Property in California
A cash-out refinance lets you pull equity out of a property you already own and use it for business purposes: buying the next property, funding a renovation, paying off a maturing loan, or clearing judgments, tax liens or partnership buyouts. Capital Bridge Partners funds cash-out refinances on investment and commercial property in California from $100,000 to $12,000,000, typically closing in 3 to 7 business days.
Why borrowers refinance with a private lender
Banks move slowly on cash-out, cap the loan at conservative leverage and want two years of tax returns. We underwrite the real estate first: the loan-to-value ratio, the location and the strength of the resale market, then your plan for the funds and your exit. Stated income, a recent bankruptcy or impaired credit are not disqualifiers when the equity, the asset, and the borrower's use of funds support the loan.
What you can do with the proceeds
Acquire another property with a fast, all-cash-equivalent offer; fund renovation or construction on this or another asset; refinance a maturing bridge, private or bank loan; pay judgments, federal or state tax liens, or settle a partnership; or free up working capital for a business that owns real estate. All loans are for business purposes, not personal expenses.
Terms at a glance
Loan amount: $100,000 to $12,000,000
Term: 12 to 24 months
Interest rate: Starting at 10.99%
Position: 1st or 2nd
Property types: Residential (investment or owner-occupied), multifamily, mixed-use, retail, commercial
Closing timeline: 3 to 7 business days
Second-position cash-out
If your existing first loan has a low rate you want to keep, we can lend in second position behind it on strong collateral, so you access equity without disturbing the senior loan. We prefer first-position loans, but seconds are considered case by case.
Recently funded cash-out loans
$980,000 Cash-out refinance, Rancho Cordova, CA (Industrial)
$325,000 loan Cash-out refinance, San Francisco, CA (Multi-Family) TIC
$2,000,000 Cash-out refinance, Redwood City, CA, Single Family Residence (SFR)
$1,500,000 Cash-out refinance, Lafayette, CA, Single Family Residence (SFR)
Frequently asked questions
How much equity can I pull out? It depends on the loan-to-value we can support for the property type and location. Send us the address and your estimate of value and we will give you a number the same day.
Do I need an appraisal? We confirm value ourselves and may order a valuation, but we do not wait weeks for a bank appraisal to issue terms.
Can the cash-out fund a purchase that closes the same week? Yes. That is one of the most common uses; our fastest closings have taken 3 days. See how our process works.
Start your cash-out refinance inquiry
Tell us the property, what you owe, what it is worth and what the funds are for. Get Funded or call 415-820-4770.