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

Delayed Financing Loans

If you paid cash for a property, access your equity using delayed financing.

Delayed Financing Loan

Client Reviews

Delayed financing allows borrowers who purchased a property with cash to take out cash from the property using the then current appraised value for up to six months after the purchased the property.  Yes, you heard that correctly.  You can refinance with a conventional loan and take out your cash based on the current appraised value without any seasoning requirements.

Fannie Mae and Freddie Mac rules provide this loophole because there is no loan on the property since you paid cash for the property.  The best way to use this product is where you purchase a property for cash and then make repairs to the property.  With Delayed Financing you can refinance and take out cash using the after repair value.  This can even allow you to take out more equity from the property then you invested. 

The owners of Hurst Lending are real estate investors and they frequently use Delayed Financing to help access more of their equity to grow their real estate portfolios.  Call us today for any questions about this offer.

Hurst Lending IconHurst Lending

4.9 ★★★★★ 48 reviews

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.

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

Take Out More Cash than You Invested

Here is an example of how Delayed Financing can help you take out more cash than you invested in a property.  If you purchase an investment property for $200k and spend $10k to fix up the property.  If the property then appraises for $300k after your repairs are complete, you can take out $240k from the property (e.g. $300k value with an 80% LTV).  The impact is that you can take out $30k more than you invested in the property (e.g. your new loan of $240k minus your $210k investment = $30k extra cash in your pocket to use for your next property).  

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's Real Estate Investing Services

Our founders started out as residential real estate investors and they learned how to leverage their borrowing capacity to build a high quality real estate portfolio over time.  Along the way they built Hurst Lending and created a deep suite of loan products to address needs they had as real estate investors.  Our loan products help investors: (1) grow their portfolios, (2) access their equity, and (3) acquire properties without high cost hard money loans.

We also love to work with new investors (who have solid w-2 jobs) to help them get started investing in real estate.  People with w-2 jobs are able to access low cost long term fixed rate financing and this is the best way to grow your portfolio over time.  The main thing that holds people back is the uncertainty about being a landlord and not having the tools to get started.  We solve this issue by offering our mortgage clients access to our real estate investing experts and provide our clients the same suite of tools, legal contacts, and contractors used by our founders for their own investment properties (at no extra cost).*  If you are interested in growing your portfolio or getting started investing in Real Estate, click the get started button below or feel free to reach out to Scott Bialek, one of our founders, at sbialek@hurstlending.com.  He loves helping real estate investors grow their portfolios.

*Some services are only available in limited locations and offers may be changed at any time.

Latest Blog Posts

Winning A Competitive Real Estate Investment Edge – Part II

Winning A Competitive Real Estate Investment Edge – Part II

How to Save & Make Money Buying a “Fixer Upper” as an Investment Property by Scott Bialek, Co-Founder of Hurst Lending In my first blog of this 3-part series, I shared a case study in which a bridge loan was the key to not only winning an edge over other buyers,...

Winning A Competitive Real Estate Investment Edge – Part I

Winning A Competitive Real Estate Investment Edge – Part I

Using a Bridge Loan to Win a Competitive Edge by Scott Bialek, Co-Founder of Hurst Lending People say I’m a problem solver because I’m constantly looking for ways to help real estate investors (myself included!) be more successful and overcome common stumbling...

VRBO Airbnb Income Mortgage Refi

VRBO Airbnb Income Mortgage Refi

Want to use your short-term rental income to refinance your mortgage?  Historically, Short-Term Rental Income Could Not Be Considered When Qualifying for a Refi Refinancing your mortgage for a better interest rate can translate to big savings and a quicker mortgage...



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