1-877- 292-7350 jhurst@hurstlending.com

Texas Cash Out Refinance

For owner occupied multi-family properties.

Access Equity even if You Live in a Duplex, Tri-Plex, or 4-Plex

Can I get a Cash-Out loan in Texas when I live in a Duplex, Tri-Plex or 4-Plex?

If you’re a homeowner in Texas and live in a duplex, tri-plex, or 4-plex, you may face challenges in obtaining a cash-out loan. This is because Fannie Mae and Freddie Mac, two of the largest buyers of mortgage loans in the United States, do not allow cash-out loans in multi-family properties when an owner occupies one of the units. This restriction can prevent many homeowners from accessing their equity in their property.

However, at Hurst Lending, we understand the importance of accessing home equity and have developed alternative loan products specifically designed to help homeowners in this situation. Our owner-occupied 2 to 4 multi-family cash-out loan products provide a solution for homeowners who wish to refinance their mortgage and take cash out of their property.

Although the rates for these loans may be slightly higher than typical conventional loans, they provide a solution for homeowners to access their home equity. Our team of experienced mortgage specialists will work with you to understand your specific needs and provide customized solutions to meet those needs. We are committed to helping you get the right mortgage for your needs and ensuring a smooth and stress-free loan process.

So if you’re interested in refinancing and taking cash out of your owner-occupied multi-family home, don’t hesitate to reach out to Hurst Lending. We are here to help and guide you through the process.

I’ve worked with Jay Hurst on several loans for my homes over the years, for purchases and refinancing - and just completed one that was a long time planning. Jay is extremely knowledgeable and helpful, and was able to help advise me thru a lot of the nuance the options for my recent purchase, and provide a lot of clarity for me.Great guy to have on your side, and great rates!.

Kevin B.

Hurst Lending was very easy to work with and stayed in constant contact with me throughout the loan process so I never had to wonder what the status of the loan was.

Naomi R.


Hurst Lending
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Over $1 Billion in Loans Funded

And we're just getting started!

We're Expanding

Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.

Benefits of a Texas Multi-family Cash Out Loan


  • Consolidate debt
  • Purchase a new car
  • Buy a second home or investment property
  • Start a new business
  • Fund other dreams

How Much Cash can I Take Out?  

You can take out as much equity as you like up to 80% LTV (e.g. leave in at least 20% of your equity).  This rule applies to conventional and jumbo cash out loans.  If you have ever taken cash out of your home in Texas, you need to wait at least one year to obtain another Texas Cash-out loan or to refinance.  If it has been more than a year since you took out cash you can either: (1) take out a new Texas cash-out loan, or (2) refinance using a conventional rate and term refinance loan provided you don’t take out cash (the rate on this loan will be approximately 1/8 lower than a comparable Texas Cash-out loan). 

What is Cash Out Refinancing?

If you aren’t familiar with cash out refinancing, a cash out refinance is where you take equity out of your home in the form of cash. In other words, you refinance and get cash back, reducing the amount of equity you have in your home. You can use the cash you get back for any purpose, such as debt consolidation, home improvements and repairs, or investments. While it does add to the amount you owe on your mortgage, refinancing is a good way to get long term financing at a reasonable interest rate.

Why Use Our Services?

Make a Smart Move


Access your Home Equity

Lower your Mortgage Rate

Lock in Low Cost Debt for the Long Term

Eliminate PMI

Buy a Car, Make an Investment, Pay For College


Loan to Value up to 89.99%

No Limit on Cash in Hand

Loan Amount $200K to $2M


Low Rate Financing

Pay Less Interest on Your Debts

Quick Decisions, Quick Closing

"Football's hard.
Accessing your home equity, doesn't have to be."


Dat Nguyen, Hurst Lending Investor
Former Pro Football Player & Coach


Call 1-877-405-3465

Our Other Cash-Out Loans


Refinance your rental property and take out cash for any use.


Jumbo Cash out loans with fixed or adjustable rates.


35 year non-recourse cash-out refinancing with low fixed rates.

Not Just Lenders - Problem Solvers!

Great Rates

Lots of mortgage lenders can offer a good rate on a conventional loan. We can too – in fact, our rates are some of the best around.

Unique Solutions

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

About Hurst Lending

As a mortgage lender with over 17 years of experience, we have been providing personalized solutions for our clients looking to buy, sell, or refinance their homes. Our comprehensive suite of services addresses common challenges in the home buying process, such as losing out on a dream home due to bidding wars, navigating a simultaneous purchase and sale, managing buyer fallout, and finding financing options for those on a fixed income.

At Hurst Lending, we are proud to offer our clients access to our industry-leading Domination Loans, which tackle these difficulties head-on. But we don't stop there. We also provide a comprehensive range of loan products designed specifically for real estate investors, as well as a full spectrum of conventional, VA, FHA, cash-out, construction, and traditional home loans.

With our commitment to delivering exceptional customer service and a deep understanding of the mortgage market, we are the go-to choice for anyone looking to buy, sell, or refinance their home.

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Interest rates have nearly doubled from the beginning of the year. These rate hikes have many people wondering if refinancing to pay off high-interest credit cards is a wise decision. Interest rates on credit cards are still much higher on average than today's...



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