Financing
Refinance financing
Refinance only makes sense when the new structure survives your downside case—not when a headline rate feels exciting for a week.
If a payoff date, balloon, HELOC reset, or seller note maturity is driving urgency, start with the balloon timing page. For stabilized long-term exits, mortgage and DSCR pages map the usual underwriting reality.
Creative structures sometimes matter on refi handoffs; if your situation is non-standard, seller & creative financing may overlap—still worth a skim.
Pick the lane that matches your deal
Balloon & payoff timing
When a maturity date is the forcing function—walk through refi, extension, bridge, or an orderly sale with the same calm read you would use on a business decision.
Urgent clocks · sequencing before paperwork
Mortgage & refinance
Rate-and-term, cash-out, and stabilized investment refis when the property and documentation fit long-term agency or portfolio lending.
30–60 day closes · seasoning & occupancy matter
DSCR refinance
Refi into or out of DSCR when the asset’s rents are the story—common when scaling rentals past conventional limits.
Property income qualification
Creative refinance paths
Subject-to, wrap, or hybrid handoffs when the note, seller, or title story is not a plain vanilla refi—useful when the clean refi is not yet realistic.
Legal and sequencing risk on the table