Flexible Cash-Out Refinance Options
Tap into your property's equity—even with low credit or income. King James Lending offers fast, asset-based funding to help you refinance on your terms.
Access more of your equity with higher loan-to-value options, giving you the cash you need to scale, reinvest, or take on new projects.
Refinance fast and access your cash without the long wait, so you can jump on new opportunities right away.
Work with a loan officer who actually closes deals — someone who understands the challenges firsthand and can offer real-world insights, not just generic advice. With guidance from experienced investors, you’ll feel more confident navigating every step of your project.
Know exactly what you’re paying upfront — no surprises, no junk fees, and no last-minute add-ons. Just transparent, honest lending.
We've answered some of the most common questions investors ask to help you feel confident moving forward.
No, Texas does not regulate cash-out refinancing for investment properties or second homes. Currently, the law applies solely to primary residences.
Homeowners can use this loan program to start a business, reinvest in an REI project, or buy out a co-owner after a split. Additionally, mortgage-interest deductions can be leveraged when cash is reinvested into a property.
Yes, real estate investors can pull cash from an investment property with cash-out refinancing. Houston REIs use this tactic often to take advantage of different opportunities. However, there are restrictions that apply in Texas.
Texas cash-out refinance loans come with specific rules—they only apply to your primary residence, can’t exceed 80% of your home’s value, and require a six-month waiting period after purchase and one year between cash-out loans. Closing costs are limited to 2% of the loan amount, all liens must be paid off, and you’ll need to wait several years after a foreclosure, short sale, or bankruptcy to qualify.