1) Pay off a maturing construction loan Do you have a construction loan maturing that you need to pay off? Avoid the fees and overall stress of getting it complete or selling in time by tapping into the property’s equity. You can use that cash to pay off your maturing loan and take the pressure off. As a bonus, you’ll likely refinance into a lower rate so your monthly payments get reduced as well! 2) Access your property’s equity before it sells Waiting for an offer on your property? Rising interest rates have slowed down the selling market in many areas. Don’t miss out on other opportunities while you’re waiting for it to sell – get cashed up even before it sells! In addition to acquiring more properties, the cash can be used for other business purpose expenses like renovation costs for your other investment properties. 3) Stay competitive as a cash buyer In many regions the markets are so competitive that if you don’t have a cash offer, your offer is automatically out. Today’s sellers don’t want to wait on contingencies or financing, so cash offers will get you in the game and help you win the deal. 4) Refinance multiple properties under one loan: The concept of cross-collateralization is a simple yet highly effective strategy that many investors overlook. Whether you have a few properties with healthy equity, or several properties with slimmer amounts, cross-collateralization enables you to tap into the equity of multiple properties at the same time and refinance them together under ONE loan. 5) Cover renovation costs Staying liquid throughout a renovation is crucial to not overextending your leverage. As completion towards your construction or fix-and-flip project progresses, the property value goes up — and increased value equals increased equity. Pull cash out on the newly established equity and use those funds to see the remainder of the project through.

Refresh. Refinance. Recapitalize.

Capital is the driving force behind every successful investor, and understanding your refinancing options is key to scaling your business. Whether your portfolio is small or large, if your properties have accrued some healthy equity, refinancing with cash- out options gives you the power of recapitalizing to acquire new properties or invest back into your existing properties. REFRESH YOUR LENDING EXPERIENCE Find a trusted lending partner who can tailor to your needs. Leading private money lender CIVIC Financial Services understands what investors need – including the relief that comes with tapping into your equity and sparing your out-of-pocket expenses. CIVIC’s recent launch of Cash Up™ 80 provides this relief with up to 80% LTV cash out — alleviating investors of the typical pressures and helping them tap into their equity with a sound recapitalizing solution.


(844) 725-4488 |

CIVIC Financial Services, LLC is a leading institutional private money lender specializing in financing non-owner-occupied investment properties. CIVIC helps investors leverage opportunities to grow their real estate portfolios and build wealth through real estate. For more information, please visit ©2022 CIVIC Financial Services, LLC. All Rights Reserved. This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. CIVIC Financial Services, LLC reserves the right to amend rates and guidelines. NMLS ID 1099109. Loans made or arranged pursuant to a California Finance Lenders Law License 603L321. AZ Mortgage Broker License 0928633. OR Mortgage Lending License ML-5282. See

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