Cash-Out Refinance
Pull cash from your equity to fund your business, invest, or consolidate — up to 85–90% of your home’s value, case by case.
For business owners & self-employed homeowners
Turn your home equity into capital for what’s next.
What would you like to do?
Pick a path — or start the 2-minute questionnaire and we’ll recommend one.
Second Mortgage & HELOC
Sitting on a 3% first mortgage? Keep it. Add a second loan or line of credit on top and leave that rate untouched.
DSCR Investor Loans
Own rentals? Qualify on the property’s rental income — not your personal income. No tax returns, no pay stubs.
Built for the way business owners actually earn
Big lenders want cookie-cutter W-2 borrowers. If you write off expenses, pay yourself in cash, or own a piece of a company, their computers say no — even when your business is thriving. We work with 100+ investors who specialize in borrowers like you.
- No-doc & bank-statement loans — qualify with 12–24 months of bank statements or a simple P&L
- Cash-paid? Consultant it is. — we structure income the way you actually receive it
- DSCR for rentals — the property’s rent qualifies you, not your tax return
- A human reviews every file — licensed specialists, not a rejection algorithm
How it works
Three steps. No paperwork until a real person has reviewed your scenario.
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Answer a few questions
Two minutes, yes-or-no simple. No documents, no Social Security number, no credit pull.
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A specialist reviews your scenario
A licensed human — not an algorithm — looks at your numbers and texts you a secure link to our Arrive portal.
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Verify & get your options
Upload your ID and mortgage statement, authorize a credit pull, and we structure the loan around your goals — then we talk numbers.
“Renuvo helped me pull $500,000 out of my home to buy a company doing $2.5 million in revenue. No tax returns, no runaround — a real person structured the loan around my business. It’s been amazing.”
Common questions
Do I really not need tax returns?
Correct. Many of our programs qualify you with 12–24 months of bank statements, a profit & loss statement, or — for rental properties — the property’s rental income (DSCR). Your tax returns are not required.
Will checking my options hurt my credit?
No. The questionnaire does not trigger a credit pull. A credit report is only pulled after you authorize it through our secure Arrive portal — and only once a specialist has reviewed your scenario with you.
I have a 3% first mortgage. Do I have to give it up?
No. In most cases we recommend keeping that low first mortgage exactly where it is and adding a second mortgage or line of credit on top. A specialist will compare both paths and show you which saves more over time.
How much cash can I take out?
It depends on your home’s value, what you owe, and the program. Many business-owner programs go up to 85–90% of the home’s value. Exact numbers come from a licensed specialist after your documents and appraisal are reviewed — we don’t quote rates or amounts on this site.
What is a DSCR loan?
Debt Service Coverage Ratio. For investment properties, we qualify the loan on the property’s rental income instead of your personal income. If the rent covers the payment, you’re in the conversation — no tax returns or pay stubs needed.
What happens after I finish the questionnaire?
A licensed specialist reviews your answers and sends you a secure link to our Arrive portal (by text or email — your choice). Arrive handles the legal disclosures, document upload, and credit authorization. From there we verify your numbers and structure your options.
Your equity is ready when you are
Two minutes to find out what’s possible. No documents, no credit pull, no obligation.