Cash-Out Refinance

Convert your equity
into strategic capital.

Replace your existing mortgage with a structured first-lien loan and unlock liquidity for what matters most.

01Leverage what you have built

Your capital should
work for you.

Conventional lenders see a complex tax return and stop there. We look at your equity position and your actual financial strength. Millions of dollars in equity sit idle because standard underwriting forms cannot process non-traditional income.

A cash-out refinance allows you to tap into the equity of your home or investment properties to fund business expansion, acquire additional real estate, consolidate high-interest debt, or build liquidity reserves. We structure the loan around your reality.

Product structure02

01Existing mortgage
02New structured first lien
03Capital delivered at closing

CAPITALSOURCE

02Qualification paths

How we qualify complex income

Conventional refinancing requires W-2s and tax returns. Our non-QM programs are built around how self-employed and high-net-worth individuals actually hold their wealth.

Qualification pathHow it works

Bank Statement (12 or 24 Month)

We use personal or business bank deposits to calculate income, bypassing tax returns entirely. Ideal for business owners who maximize write-offs.

DSCR (Investment Properties)

Qualify based purely on the cash flow of the investment property itself. No personal income calculations required.

Asset Depletion

For high-net-worth borrowers with significant liquid assets but low documentable monthly income. We divide eligible assets to create a qualifying income stream.

P&L Only

Self-employed borrowers using CPA-prepared profit & loss statements to demonstrate business health.

03The advantage

The CapitalSource advantage

We deliver structured equity solutions that go far beyond the strict limitations of retail banking.

High Loan Amounts

Access significant capital with jumbo loan limits up to $6,000,000 or more, designed for high-value properties.

Flexible Property Types

Available on primary residences, second homes, and non-owner occupied investment properties.

Strategic Debt Consolidation

Pay off high-interest business loans, credit cards, or other obligations to dramatically improve monthly cash flow.

No Tax Returns Required

Alternative documentation paths mean your complex tax strategy will not stop your approval.

The next step

Ready to see
what you qualify for?

Tell us about your situation. We will identify the right structure and qualification path, and give you a clear picture of what is possible.

Start your application↗