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Cash Out Refinancing 

With cash-out refinancing, Houston real estate investors have simple, direct access to funding.

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Flexible Cash-Out Refinance Options

Texas Real Estate Investors Welcome

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.

 

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Refinance Without the Roadblocks

Traditional lending can slow you down. We offer a streamlined process with fewer hurdles—so you can keep your deals moving.

 

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Flexible LTVs

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.

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Quick Closings

Refinance fast and access your cash without the long wait, so you can jump on new opportunities right away.

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Personalized Guidance

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.

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No Hidden Fees 

Know exactly what you’re paying upfront — no surprises, no junk fees, and no last-minute add-ons. Just transparent, honest lending.

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Cash Out Refinancing Benefits and Features

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Why Choose King James Lending?

We offer quick turnaround times, flexible terms, a transparent process, and guidance from local Texas experts you can trust.

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Frequently Asked Questions

When should I use it?

When you've bought a property with cash (like at auction) and need funds to rehab, or if you own it free and clear and want to pull out equity to reinvest.

What can I use the cash for?

Any investment purpose — new deals, renovations, paying down debt, or scaling your portfolio.

How fast can I get funded?

You can close in days, not weeks.

Do I need to sell my property?

No — you keep the property and unlock its equity.

Are credit or income requirements strict?

No. Approval is property-based, not income-based.

Can I switch to a long-term loan later?

Yes. Many investors refinance into a DSCR or other long-term loan after stabilizing.

Will I have monthly payments?

Yes, usually interest-only at first for better cash flow.

Typical LTV ratios?

Up to 70% max of the current value, depending on the property.

Any restrictions on property types?

Single-family, multifamily, mixed-use, and some commercial properties qualify.

Why not just use a bank loan?

Banks move slowly, have strict requirements, and often won’t fund transitional properties. Hard money provides speed, flexibility, and property-focused approvals.

Customer Testimonials

  • Just closed on a property that we bought with King James Lending. The entire process was smooth, we will for sure be using them for more of our projects.

    Ivan P., First-Time Homebuyer

  • Best hard money in Houston! King James Lending goes above and beyond to get you the right terms and fits your needs with your situation and particular scenarios. Whether rates, or cash to close is your concern, James and his team can make it happen for you! I have worked with this local lender numerous times and are always available to answer any concerns you have. The best part is if you need a quick close this is the Houston hard money lender to go to!

    Orlando G. , First-Time Homebuyer

  • Great guys to work with. Great experience! Give them a try. You won't be disappointed!

    Creg T., First-Time Homebuyer

  • I am beyond grateful for meeting James. He took the time to meet with me and give me tons of information about the hard money lending process. I can confidently say I am now more comfortable with the process thanks to James. I look forward to working with him and his team!

    Marisa G. , First-Time Homebuyer

Simple. Fast. Investor-Focused.

The King James Lending Process

Tap Into Your Equity

Unlock the cash tied up in your properties to fuel new deals, pay off expenses, or reinvest in your business — all on your terms.

Keep the Property, Get the Cash


Access your equity without selling, so you can hold onto your investment and still get the liquidity you need to grow.

Interest-Only

Lower your monthly payments and improve cash flow with interest-only options, giving you more flexibility to manage and scale your investments.

Use Funds for Any Investment Purpose 

Access cash with no strict limitations — whether you're buying new properties, renovating, paying off debt, or expanding your portfolio, the choice is yours.

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Ready To Fund Your Next Investment?

Our team is here to help.

Our Team is Here To Help Get Pre-Approved

About King James

At King James Lending, we genuinely want to be an essential part of your team. We look forward to being an invaluable asset and a trustworthy partner for all your lending needs. See why we are the hard money lenders Houston investors trust.

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