PHOENIX · CASH-OUT REFINANCE

Phoenix Cash-Out Refinance Loans

Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.

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Cash-Out Refinance loans built for Phoenix deals

Phoenix is the fifth-largest city in the United States and the engine of Arizona real estate investing. Inventory turnover is fast, cash buyers are common, and renovation timelines are tight. Investors closing deals here need a lender who can issue a term sheet in 24 hours and fund in 3-5 days.

Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.

Who this loan is built for

Investors with significant equity in a held property who want to redeploy capital into a new acquisition or rehab without selling. Common Phoenix use cases include fix-and-flip, buy-and-hold rentals, ADU additions, 1031 exchanges.

Loan terms at a glance

Loan sizing: Determined after deal review
Rates and points: Provided after deal review
Leverage: Determined after deal review
→ Term: Determined after deal review
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
Credit, income, experience, and documentation requirements are determined after review of the specific transaction.
→ Coverage: Statewide in Arizona, including Phoenix

Common questions from Phoenix investors

Can I cash-out refi a property I just bought?

Any prepayment provision or minimum-interest period is transaction-specific and is disclosed in writing before closing.

Is the cash-out tax-free?

Refinance proceeds are not taxable income — they're loan proceeds. Talk to your CPA about deductibility of interest, but the principal is not taxed.

How is appraised value determined?

We use a licensed third-party appraisal with comparable sales. For investment property, we lean on rental cap rate analysis as well.

Can I cash-out refi a short-term rental?

Yes. Vacation rentals and Airbnb properties are increasingly common in our book. Documentation is rental history (Airbnb/VRBO statements) for at least 12 months.