$1,300,000 Refinance in San Francisco, CA
Cash Out with Refinance: How Investors Leverage Equity for New Projects
Loan Amount: $1,300,000
Loan Term: 12 Months
LTV: 55%
Loan Position:Â First Position Deed of Trust
In real estate investing, access to capital is keyâespecially when opportunities arise that require quick action. Traditional lenders often have lengthy approval processes, rigid requirements, and limited flexibility, making them less than ideal for investors who need fast funding. This is where a cash out with refinance becomes a powerful tool, allowing property owners to tap into their real estate equity without selling their assets.
At Rubicon Mortgage Fund LLC, we specialize in providing fast, reliable private money loans, helping investors access capital when they need it most. Our latest deal is a prime example of how experienced borrowers use cash-out refinancing to fuel new opportunities and scale their investment portfolios.
Recently Funded: $1.3 Million Cash-Out Refinance in St. Francis Wood
We recently funded a $1.3 million cash-out refinance for a long-term borrower who is a seasoned developer. This borrower has worked with Rubicon Mortgage Fund on multiple deals, consistently demonstrating strong performance and reliability.
For this deal, the borrower needed immediate access to capital to improve an investment property out of state. However, due to an extremely tight deadline, traditional financing was not an option. Our ability to move quickly and close fast ensured that the borrower received the funds exactly when needed.
Property Details
- Neighborhood: St. Francis Wood, San Francisco
- Property Type: Non-owner-occupied single-family residence
- Square Footage: 1,860 SF
- Parcel Size: 4,691 SF
- Loan Amount: $1.3 million
- Â Loan-to-Value (LTV): 55%
- Exit Strategy: The borrower plans to pay off the loan in cash after selling another investment property in their portfolio
Why St. Francis Wood?
St. Francis Wood is one of San Franciscoâs most prestigious residential neighborhoods, known for its spacious homes, tree-lined streets, and close-knit community feel. This area is highly sought after by families due to its top-rated schools, easy access to public transportation, and serene environmentâa rare find in the city.
Additionally, the property is newly remodeled and located near a thriving retail corridor, making it a valuable long-term asset in the borrowerâs portfolio.
Why a Cash-Out Refinance
A cash out with refinance allows investors to unlock capital without selling their properties. In this case, the borrower was able to extract $1.3 million in equity while maintaining ownership of a valuable St. Francis Wood property. The funds were then used to improve another investment property in a different state, allowing the borrower to scale their portfolio and increase overall returns.
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Key Benefits of a Cash-Out Refinance for Investors
- Immediate Access to Capital â Instead of waiting for a property sale, investors can quickly access funds when needed.
- Preserve Ownership â A refinance allows borrowers to keep their assets while still leveraging their equity.
- Fund New Investments â Whether it’s renovations, acquisitions, or development, a cash out with refinance provides the flexibility to grow a real estate portfolio.
- Custom Exit Strategy â The borrower in this case will pay off the loan in cash by selling another property, showcasing a strategic use of financing.
Why This Borrower Chose Rubicon Mortgage Fund
This deal underscores the importance of working with a private lender that understands real estate investors’ needs. Having closed multiple loans with Rubicon, this borrower knew that we could execute quickly, navigate complex transactions, and close on tight deadlinesâsomething traditional lenders simply couldn’t offer.
At Rubicon Mortgage Fund, we prioritize:
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Speed & Efficiency â We closed this loan in record time, meeting the borrowerâs strict deadline.
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Trust & Reliability â Long-term relationships with our borrowers ensure smooth transactions.
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Flexible Loan Solutions â Unlike banks, we customize loans to meet investorsâ needs.
The Power of Private Lending for Real Estate Investors
Many investors face obstacles when seeking financing from traditional lenders. Bank loans often come with slow approval processes, excessive documentation, and rigid underwriting guidelines that donât align with the fast-paced nature of real estate investing.
Private lenders like Rubicon Mortgage Fund offer a faster, more flexible alternative, providing investors with the capital they need without the unnecessary hurdles. Whether itâs a cash out with refinance, an acquisition loan, or a bridge loan, we specialize in helping investors move forward with confidence.
Looking for a Cash-Out Refinance? Lets Talk!
If you’re an investor looking to leverage your real estate equity, Rubicon Mortgage Fund is here to help. Our streamlined lending process, deep industry expertise, and ability to close quickly make us the go-to private lender for commercial and residential real estate investors.
ðĐ Contact us today to discuss your financing needs and see how we can help you unlock capital for your next investment!
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