Put your equity to work
Refinancing through Grand Financial lets real estate investors access short-term capital using the 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 flexibility — not bank red tape.
Our programs are designed around asset strength and investor experience rather than traditional income verification. Each loan is evaluated on property value, exit strategy and borrower experience, for quick approvals and smooth closings.
Eligible property types
- Single-family investment properties
- 2–4 unit residential
- Small-balance multifamily
- Mixed-use
- Portfolio refinances
Use of proceeds
- Refinance — pay off an existing short-term or high-interest loan and move into more favorable terms while keeping liquidity.
- Equity takeout — reinvest available equity into new acquisitions, renovations, or other project expenses without selling the asset.
- Bridge-style flexibility — short-term options with simple interest, interest-only payments, and no prepayment penalty after a minimum interest period.
Typical terms at a glance
Guidance only — final terms depend on asset, market, and sponsor strength.
| Feature | Common range | Notes |
|---|---|---|
| Interest rate | Starting at 9.99% | Depends on asset quality and investor experience |
| Term | 12–24 months, interest-only | Bridge-style structure with quick funding |
| Maximum LTV | Up to 70–75% of appraised value | Purchase price or appraised value, whichever is lower |
| Minimum loan | $100,000 | Applies to most markets |
| Property types | Investment SFR, 2–4 units, small multifamily, mixed-use | Business-purpose only, no owner-occupied |
| Prepayment | No penalty after 3-month minimum interest | Ideal for a quick resale or refinance |
| Fees | 2–4 points | Includes broker compensation; varies by size and risk |
| Closing timeline | 7–14 business days | Expedited closings available |
How lenders evaluate a commercial real estate deal
- Net operating income and DSCR — most lenders target 1.20 to 1.35 or higher, so NOI comfortably covers annual debt payments.
- LTV and LTC — loan-to-value for stabilized deals, loan-to-cost for projects; the lower constraint usually governs proceeds.
- Tenant and lease quality — remaining term, renewal options, escalations, credit strength and concentration risk.
- Sponsor strength — experience, liquidity, post-close reserves and a credible plan for hiccups.
- Market and asset — vacancy trends, replacement cost, access, visibility, parking and loading.
The Grand Financial process
1. Discovery
Submit basic property and borrower details through our online application.
2. Loan options
We present refinance and equity release structures aligned to your strategy.
3. Underwriting & valuation
A fast review of appraisal, title and investor experience, with an asset-based focus.
4. Closing
Documents prepared and funds disbursed quickly through licensed title companies.
5. Post-close
Extensions and renewals available for repeat clients — and we help you plan the exit early.