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

No Seasoning Cash-Out

Refinance loan program for investors.

No Seasoning Cash-Out Refinance Program

We offer simple no-seasoning loan solutions that allow you to get cash out of your renovated investment properties at their improved value, right away without having to wait for the loan season. Yes, you heard this right we are a no-seasoning lender, and we offer no-seasoning cash-out refinance loan options. The process is simple: 1. You purchase the house – with cash, hard money, or another type of loan. 2. Make the necessary repairs and upgrades to the home. 3. Use the stepped-up, improved home value for cash out immediately (without having to wait for the loan to season). Furthermore, we employ the market rents from the appraisal to determine the potential cash flow for unoccupied properties, further optimizing your investment gains. We believe this solution aligns perfectly with your financial objectives and would be delighted to explore this opportunity with you further.

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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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No Seasoning Investor Cash-Out Loan

No Seasoning Finance FAQ

What is the seasoning period for our Hurst lending investor cash-out loan program?

Our investment property cash-out refinance loan has no seasoning period. You can purchase an investment property, fix it up, and immediately pull out your cash using the new appraised value with no seasoning period.

How does our seasoning period compare to other lenders?

We offer investor cash-out loans with no seasoning period.  This is very different from other lenders.  The seasoning period for most lenders is now 1 year.  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).

We are different.  Real estate investors founded Hurst Lending and we developed a suite of investor loan products to help you grow your portfolio.  With our program, you can refinance as soon as your repairs are complete.  You don’t have to wait a year to take out your cash.

How does it work?

Our proprietary Two-Step Cashout Loan eliminates the need to wait for the typical one-year seasoning requirement.

The ­first step is for us to provide you with a no-seasoning short-term cash-out loan using the full stepped-up value of the property.  The second step is for us to immediately refinance you into a long-term conventional loan by leveraging a common Fannie Mae & Freddie Mac program. The second step of our process is considered to be a “rate and term” refinance and there is consequently no one-year restriction on moving you into a conventional loan.

The Net Result is that you get cash out of your property using the appraised value without the one-year seasoning requirement.

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.

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.

Get a No Seasoning Cash Out Refinance Loan

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

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.

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...