Two-Input Ratio Equity & Wealth Loan & Mortgage Equity & Wealth

Cash-Out Refi Equity

Maximum cash you can pull out through a cash-out refinance.

Example Result

Sample Data

Based on a sample $385,000 property with $2,850/month rent, 20% down, 7% interest rate.

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Cash-Out Refi Equity Formula

Property Value x Max LTV - Current Loan Balance

$385,000 x Max LTV - Current $308,000

What This Means

A sample property priced at $385,000 with $2,850/month rent has a cash-out refi equity of $0. This tells you exactly how much cash you can access without selling. BRRRR investors use this to recycle their capital — buy, rehab, rent, refinance, and repeat. If your cash-out refi equity exceeds your initial investment, you've achieved an infinite return.

Where This Value Comes From

Cash-Out Refi Equity is not entered directly — it is calculated from Property Value and Loan Amount. See the formula breakdown above and the detailed inputs below.

Calculated From

Cash-Out Refi Equity is calculated using these inputs:

Property Value

The current estimated market value of the property.

Found on your county assessor

$385,000

Loan Amount

The total amount borrowed to finance the property purchase.

Found on your loan estimate

$308,000

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Why It Matters

This tells you exactly how much cash you can access without selling. BRRRR investors use this to recycle their capital — buy, rehab, rent, refinance, and repeat. If your cash-out refi equity exceeds your initial investment, you've achieved an infinite return.

Detailed Explanation

Cash-Out Refi Equity calculates the maximum cash available through refinancing: the property value multiplied by the max LTV (75%) minus your current loan balance. This is the equity you can convert to cash while keeping the property.