Cash-Out Analysis
Model cash-out refinance scenarios and see how pulling equity affects your returns.
Equity Extraction Calculator
See how much cash you can pull out based on your property value and target LTV. The analyzer calculates your maximum cash-out amount, the new loan balance, and the resulting monthly payment so you know the true cost of accessing your equity.
- Maximum extractable equity at your target LTV (typically 75-80%)
- New monthly payment with the larger loan balance
- Monthly cash flow impact compared to your current payment
- Closing costs on the higher loan amount
Reinvestment Return Analysis
Pulling equity out only makes sense if you can deploy it at a higher return than the cost of borrowing. Enter your expected reinvestment return rate, and see whether the cash-out proceeds generate enough income to offset the higher payment and closing costs over your projection period.
- Compare your new borrowing cost against reinvestment yield
- Net benefit (or loss) of the cash-out over 5, 10, or 15 years
- See the crossover point where reinvestment income exceeds the cost
- Model different reinvestment rates to stress-test the decision
Sample Output
See what this feature calculates for you.
Ready to Use Cash-Out Analysis?
Get access to this feature and everything else in Should I Refi My Rental Property?.