Is a refinance worth it
for your property?
Enter your current loan and new rate to see your monthly savings, break-even month, and total lifetime savings — so you know whether to pull the trigger.
When does a refinance actually make sense?
The rule of thumb is simple: refinance if the break-even point is before you plan to sell or move. If closing costs are $6,000 and you save $300/month, you break even in 20 months. Stay longer than that and the refi pays off. Leave earlier and it doesn't.
When to refinance an investment property
- Rate has dropped 0.75%+ below your current rate
- You want to pull cash out for another deal (cash-out refi)
- You bought with a bridge or hard money loan and need permanent financing
- Your property has appreciated and you want to access equity
For investment properties, we offer DSCR refinances — no tax returns, qualify on rent. This is especially powerful for self-employed investors who can't show traditional income but have strong-performing rentals.
Two ways to unlock equity today.
5-Day Digital HELOC
Tap your home equity fast. Fully digital, funding in as little as 5 days. Perfect for funding your next investment without selling.
Start My HELOC →Free Property Value Report
Instant, no-obligation home value report. Know your equity before you refinance, pull cash out, or list.
Get My Free Report →