Who this is built for
Owners sitting on equity or an expensive loan they want to restructure.
A transaction of this shape
Illustrative example, not a past transaction. An investor owned a $1,400,000 building free of liens and wanted to expand. A cash-out refi at 75% LTV put roughly $1,000,000 of tax-deferred cash in hand to buy the next two properties without selling the first.
Qualification considerations
What the capital sources behind this structure look at. These are their published parameters, not an offer of credit, and a file that misses one is not automatically declined — it is a conversation about which source fits.
- Credit 640+ (700+ for best pricing)
- LTV 75–85% rate&term / 70–80% cash-out
- Stable income & value
What usually rules a file out
- Little to no equity
- DTI outside lender guidelines
- Value won't support the LTV
What the numbers look like
We do not publish rates, and we would not trust a site that did — pricing on a structure like this is set by the file, not by the page. What we publish instead is the model. Run your own figures through the same deterministic calculator the desk runs on a live file, free, with no sign-in and nothing to submit.
Run the refinance economics →What to have ready
You do not need all of this to start a conversation — submit first, and we will tell you what the specific file needs. This is what a transaction of this kind normally opens with.
- The property address, and the purchase contract if it is under contract
- A scope of work and budget, where the plan involves construction or renovation
- A rent roll and leases, where the property produces income
- Recent mortgage statements and insurance, where there is existing debt
- An entity document for the borrowing entity, and a personal financial statement
How the process runs
Submit
You tell us about the transaction. Six questions, about sixty seconds.
Underwrite
We size it against the capital sources' documented parameters and tell you where it stands.
Execute
We manage the process through term sheet, diligence, and closing.
Close
You get results, and we stay involved for the next transaction.
Worth reading beside this
Have a transaction that looks like this?
Tell us what you are working on — six questions, about sixty seconds. We review it and come back with next steps, and if this is not the right structure for it, we will say which one is.
Submit an Opportunity →Business-purpose financing only. Canady Investments is not a bank and does not lend its own funds. This page describes a financing structure and the criteria the capital sources behind it publish; it is not an offer of credit, a commitment to lend, or a guarantee of financing, and nothing here is a quoted rate or term. All terms are subject to underwriting, documentation, and third-party capital source approval.