Refinance and Cash-Out
Refinance or pull equity from your Florida property
If you bought in cash or you're paying an expensive loan, there is capital locked up that you can recover without selling the property.
The Latin American buyer's sleeping capital
A great many buyers from Latin America paid for their Florida property in cash, because at the time it seemed simpler than fighting a bank from abroad. The result is an excellent asset with one hundred percent of the capital locked up and no leverage at work.
A cash-out refinance takes that debt-free property and returns part of the capital to you in cash, leaving a long-term mortgage that in many cases the rent itself covers. That money is what funds the second property. There is also delayed financing, built to recover capital shortly after a cash purchase.
Who is it for?
For owners who want their capital to work
You bought in cash
You own the property free and clear and want liquidity back for the next deal.
You have an expensive loan
You took private credit or a high rate and want to move to a 30-year mortgage.
You finished a project
You completed construction or a renovation with short-term credit and need the long-term exit.
How we move forward
The starting point is what the property is worth today
Valuation
We estimate current value and how much equity is available to pull.
Define the goal
Take cash out, lower the payment or exit short-term credit: each goal leads to a different structure.
File
Documentation for the owner or the LLC, plus rental history if the property is leased.
Appraisal and closing
Formal appraisal, underwriting and signing. Cash is released at closing.
Typical program terms
Common market ranges. Final terms depend on the case.
Term
15-30
Years, fixed payment
Max cash-out
Up to 70%
Of current property value
Use of funds
Unrestricted
New purchase, construction or liquidity
Ownership
Person or LLC
Depending on how it is titled
About these numbers
Results are illustrative estimates based on Florida market averages. They are not a credit offer, a pre-approval or a lending commitment. Final terms depend on the lender, the applicant's profile and the property.
Frequently asked questions
Can I refinance as a non-resident foreign national?
Yes. The same foreign national criteria apply as on a purchase: home country documentation and underwriting centered on the property. The maximum amount you can pull out tends to be somewhat more conservative.
How much cash can I take out?
Typically up to 70% of current property value, less any existing debt. On a debt-free five hundred thousand dollar property, the cash-out can approach three hundred fifty thousand.
What is delayed financing?
It is the option that lets you refinance shortly after buying in cash, without waiting the usual seasoning period. Useful when you pay cash to win the negotiation and want your capital back right away.
Do I pay taxes on the money I pull out?
Refinance proceeds are debt, not income, so they are not taxed as earnings. Still, every tax situation differs and it is worth confirming with your accountant.
Does it work to exit a construction loan?
Yes, it is one of the most common uses. Once the work is done the property appraises at its completed value and is refinanced into a 30-year mortgage, paying off the short-term credit.
Let's see how much capital you can recover
Tell me what property you own and how you bought it. I'll tell you what can be pulled out and on what terms.