Cash-Out & Rate/Term Refinance Loans

Refinance Smarter with Creare Capital Lending

Access Equity or Secure Better Terms for Your Investment Property

At Creare Capital Lending, we help investors unlock the potential in their properties through Cash-Out and Rate/Term Refinance loans. Whether you’re looking to tap into equity, reduce your interest rate, or restructure existing debt, our investor-focused refinance programs provide quick, flexible, and nationwide solutions — without traditional bank hurdles.


Our streamlined process ensures you get the capital or improved terms you need to grow your real estate portfolio efficiently.


Program Highlights

Loan Amounts: $100K – $5M

LTVs up to 80% (depending on property type & occupancy)

Cash-Out Available for Investment Properties

Rate & Term Options for Debt Restructuring

Fixed or Adjustable Terms (5/1, 7/1, 30-Year Options)

Interest-Only Payment Options Available

No Tax Returns Required (for DSCR or Alt-Doc Programs)

Nationwide Lending Coverage

Foreign Nationals Eligible

Why Real Estate Investors Refinance with Creare Capital

Fast Closings – typically within 2–4 weeks

Flexible Underwriting  – qualify using property income, not tax returns

 Access to Equity  – reinvest cash into new opportunities

Lower Payments or Better Terms – restructure to maximize profitability 

Dedicated Loan Officers – specialists in investor refinance strategies 


We understand that timing is everything — whether it’s pulling equity for your next acquisition or lowering your costs on existing loans.


Types of Refinance Programs

Cash-Out Refinance

Use your property’s built-up equity to access working capital. Ideal for:

  • Funding renovations or repairs
  • Acquiring new investment properties
  • Consolidating high-interest debt
  • Boosting liquidity for business growth


Rate/Term Refinance

Replace your current loan with improved terms. Perfect for investors who want to:

  • Secure a lower interest rate
  • Adjust loan term length (shorten or extend)
  • Switch from an adjustable to fixed-rate loan
  • Simplify multiple loans into one

Refinance Process with Creare Capital Lending

  1. Pre-Qualification – Discuss your goals, property details, and payoff strategy.
  2. Application & Review – We collect key documents and verify property value.
  3. Underwriting & Approval – Streamlined review designed for speed.
  4. Funding – Receive your funds directly or close with improved loan terms.


You’ll work directly with a Creare Capital loan expert every step of the way — ensuring your

refinance closes quickly and smoothly.


Eligible Property Types

  • SFR (1–4 Units)
  • Condos & Townhomes
  • Multi-Family Properties
  • Mixed-Use (Non-Owner Occupied)
  • Short-Term Rentals / Airbnbs

Start Your Refinance with Confidence

Unlock your property’s equity or secure better terms today. Fast approvals.

Flexible options. Investor-focused lending.

Apply Now for a Cash-Out or Rate/Term Refinance with Creare Capital Lending 

APPLY NOW

Frequently Asked Questions (FAQ)

  • What’s the difference between a Cash-Out and Rate/Term Refinance?

    A Cash-Out Refinance lets you borrow against your property’s equity, while a Rate/Term Refinance replaces your existing loan with improved rates or terms without taking extra cash out.

  • Can I refinance an investment property?

    Yes, Creare Capital Lending offers refinance programs specifically for non-owner-occupied and investment properties nationwide.


  • How soon after purchasing can I refinance?

    Typically, after 6 months of ownership, though exceptions may apply for certain programs.


  • Can foreign nationals refinance investment properties?

    Yes, our programs are open to both U.S. investors and foreign nationals.

  • Do I need tax returns or income verification?

    Not necessarily — we offer No-Doc and DSCR-based refinance options that qualify based on property income, not personal financials.