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

Investment Property Cash Out

Multiple options available.

Investment Property Cash-Out Loan

If you’re a real estate investor looking to take cash out of your rental property, we’ve got you covered. We understand that finding a lender who offers cash-out loans for investment properties can be a challenge. However, we offer a variety of cash-out loan options specifically designed for real estate investors like you.

As an expert Investment Property Cash-out Lender, we believe in making it easy for you to access the cash you need. That’s why we go above and beyond to provide loans that allow you to take out cash based on your property’s current appraised value, even if you have only owned the property a short time. We even have a no-seasoning cash-out loan that allows you to take cash-out based on the current appraised value (even if your loan has not been seasoned for one year). With our cash-out loans, you can put the equity in your property to work for you and achieve your financial goals faster.

Don’t miss out on the opportunity to tap into your rental property’s value. Trust us to provide investment property cash-out and no-seasoning loan solutions to take your real estate investment to the next level.

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I’ve worked with Jay Hurst on several loans.  Jay is extremely knowledgeable and helpful, and was able to advise me on the options for my recent purchase. Great guy to have on your side, and great rates!

Kevin B.

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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.


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Why Use Our Services?

Make a Smart Move


Purchase More Rental Properties

Conserve Your Capital

Consolidate Debt

Fund Other Dreams


Cash Out Specialists

Quick Decisions, Quick Closing

No unnecessary red tape, no contingencies.
“Football’s hard.
Acessing your equity doesn’t have to be.”


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


Call 1-877-405-3465

Save with an Investor Cash Out Loan

Take “Cash Out” of Rental Property (own property for more than One Year)

You can take cash out from your investment property using conventional financing based on the after repair value. You simply need to wait until your loan has “seasoned.”  

You may have heard that you can do a cash-out refinance on a conventional loan that has been held for 6 months.  This is no longer the case.  Fannie Mae and Freddie Mac adopted a new rule on March 7, 2023, that states a loan must be held for a full year before the loan is considered to be seasoned and can be refinanced using the current appraised value.  The new rule is as follows:

When proceeds of a cash-out refinance Mortgage are used to pay off a First Lien Mortgage, the First Lien Mortgage being refinanced must be seasoned for at least 12 months (i.e., at least 12 months must have passed between the Note Date of the Mortgage being refinanced and the Note Date of the cash-out refinance Mortgage), as documented in the Mortgage file (e.g., on the credit report or title commitment).

Take “Cash Out” of Rental Property (own property for Less than One Year)

If you purchased a rental property and want to take cash out (but you have owned the property for less than one year), then the loan is not seasoned.  You can refinance using a Conventional loan but you can only refinance based on the original purchase price.  If you want to take out cash based on the current appraised value you either need to wait for one year or you can obtain a portfolio loan.  We offer these type of loans and they allow you to take out cash as soon as your repairs are complete using the current appraised value (even if you have owned your property for less than one year).  This is a great way to refinance out of a high cost hard money loan and or free up your capital to purchase your next property.  For more details on our No-Seasoning Loan program visit our No Seasoning page.

We Also Offer Other Investor Loans



We secure real estate investor loans.

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Loans for your 1-4 family rental property.

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Low rate loan for your properties.

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Access the equity your properties.

Get a Real Estate Investor Cash Out Loan

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 with no seasoning period or obtain an investment property HELOC, and (3) acquire properties without high-cost hard money loans.

We also love working with new investors (who have solid w-2 jobs) to help them start 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 providing our clients the same suite of tools, 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.

Over $1 Billion in Loans Funded

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

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 fist 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...