Refinance & Equity Takeout Loans
Unlock the equity in your investment property with fast, flexible capital.
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Refinancing through Grand Financial allows real estate investors to access short-term capital using
existing equity in their properties. Whether you’re consolidating debt, funding new acquisitions, or
improving cash flow, our refinance and equity takeout loans are structured for speed, reliability, and
investor flexibility — not bank red tape. Our programs are designed around asset strength and investor
experience rather than traditional income verification.
Experienced Underwriting With Fast Turnaround
Our underwriting process is streamlined for active investors. Each loan is evaluated based on property
value, exit strategy, and borrower experience — ensuring quick approvals and smooth closings.
Use of Proceeds — What This Covers
• Refinance: Pay off an existing short-term or high interest loan and transition into more favorable terms while maintaining liquidity.
• Equity Takeout: Access available equity to reinvest into new acquisitions, fund renovations, or cover other project related expenses without selling the asset.
• Bridge Style Flexibility: Short term options with simple interest, interest only payments, and no prepayment penalties after a minimum interest period.
Key Benefits
• Fast closings — typically within 7–14 business days after receipt of a complete file.
• Entity borrowers only (LLC / Corp / Trust).
• No income verification or DSCR requirement (asset based).
• Flexible interest only terms with extension options for repeat clients.
• Loan amounts from $100,000 up to $3,000,000+.
• Up to 70–75% of current appraised value (LTV), program dependent.
How lenders evaluate a CRE deal
Net Operating Income and DSCR, most lenders target a debt service coverage ratio of 1.20 to 1.35 or higher, meaning NOI comfortably covers annual debt payments.
LTV and LTC, loan to value for stabilized deals, loan to cost for projects, with the lower of constraints often governing proceeds.
Tenant and lease quality, length of remaining term, renewal options, rent escalations, credit strength, co tenancy risks in retail, and concentration risks in office.
Sponsor strength, experience, liquidity, post close reserves, and a credible plan for hiccups.
Market and asset, vacancy trends, replacement cost, access, visibility, and small but real factors like parking ratios or loading docks.
Typical Terms at a Glance
Guidance only, final terms depend on asset, market, and sponsor strength
| Feature | Common Range / Notes |
|---|---|
| Interest Rate | Rates depend on asset quality and investor experience |
| Term | Bridge-style structure with quick funding |
| Maximum LTV | Based on purchase price or appraised value, whichever is lower |
| Minimum Loan Amount | Applies to most markets |
| Eligible Property Types | Business-purpose only, no owner-occupied properties |
| Prepayment | Ideal for investors planning quick resale or refinance |
| Fees | Varies by loan size and risk profile |
| Closing Timeline | Expedited closings available for time-sensitive transactions |
The Grand Financial Process
1. Discovery — Submit basic property and borrower details via our secure online portal or intake form.
2. Loan Options — We present refinance and equity release structures aligned to the stated strategy.
3. Underwriting & Valuation — Fast review of appraisal/title and investor experience; asset based focus.
4. Closing — Documents prepared and funds disbursed quickly via licensed title companies.
5. Post Close — Extensions/renewals available for repeat clients; plan exit early.
Frequently asked questions
Can I refinance an investment property under an LLC?
Yes. We lend to LLCs and corporate entities holding investment real estate.
How fast can I close?
Most refinance and equity takeout loans close in 7–14 business days once all required documents are received.
Do you verify income or employment?
No. These are asset based loans primarily underwritten to property value and investor experience.
Are interest only payments available?
Yes, these loans are structured as interest only to maximize cash flow during the term.
Do you lend on owner occupied homes?
No. Programs are strictly for investment/business purpose properties.