1-877- 292-7350 jhurst@hurstlending.com

Texas Investor Cash Out Refinance Loans

We offer multiple cash-out loan options to take cash out of your rental properties.

Investment Property Cash Out Loan Program

We offer a smarter way to get the cash you need, with special expertise in Texas Cash Out loan laws.

Reduce Your Rate

Low Rate Financing

Buy More Properties

Consolidate Debt

Take Cash Out of Rental Property

Own Property MORE Than 6 Months

You can take cash out from your investment property using conventional financing based on the after repair value. You simply need to wait 6 months until your loan has “seasoned.”  At this point you can refinance with a traditional conventional loan and take cash out based on the current appraised value.

Own Property LESS Than 6 Months

If you want to take cash out, but have owned the property for less than 6 months, then the loan is not seasoned.   

If you want to take cash out of your property and not wait six months, we can help. 

Complete Your Repairs

We can help you take out cash as soon as your repairs are complete using the current appraised value (even if you have owned your property for less than 6 months). 

This is a great way to refinance out of a high cost hard money loan and or free up your capital to purchase your next property.

What is a Texas Investor Cash Out Loan Program?

A Texas Investor Cash Out refinance loan works similarly to a traditional cash-out refinance loan, but with some key differences.

When a Texas investor refinances their current mortgage and takes cash out, they are essentially replacing their current mortgage with a new one and taking out additional cash from the equity they have built up in the property. The amount of cash that can be taken out is typically determined by the lender and is based on the investor’s creditworthiness, income, and the value of the property.

One of the main differences between a Texas Investor Cash Out refinance loan and a traditional cash-out refinance loan is that in Texas, there are restrictions on the amount of cash that can be taken out. The Texas Constitution limits cash out loans to 80% of the property’s value. This means that an investor can only take out cash equal to 80% of the property’s value or less. This is designed to protect homeowners from over-leveraging themselves and going into foreclosure.

Another difference is that Texas Investor Cash Out refinance loans are typically only available to Texas residents who own investment properties. This is because the Texas Constitution limits these types of loans to non-primary residences.

It’s important to note that Texas Investor Cash Out refinance loans can be more complex than traditional refinance loans. Hurst Lending is familiar with Texas laws and regulations and can guide you through the process. Additionally, investors should also be aware of the tax implications of taking out cash from their property. They may be able to deduct the interest paid on the loan, but they should consult with a tax professional to understand the full impact.

Access Your Equity Even if Your Loan is Not Seasoned

Refi based current appraised value, even if your current loan is less than 6 months.

I’ve worked with Jay Hurst on several loans for my homes over the years, for purchases and refinancing - and just completed one that was a long time planning. Jay is extremely knowledgeable and helpful, and was able to help advise me thru a lot of the nuance the options for my recent purchase, and provide a lot of clarity for me.Great guy to have on your side, and great rates!.

Kevin B.

Hurst Lending was very easy to work with and stayed in constant contact with me throughout the loan process so I never had to wonder what the status of the loan was.

Naomi R.


Hurst Lending
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Why Use




We’re Texas Cash Out Experts.


Use funds to consolidate debt.


No unnecessary red tape or contingencies.


Purchase properties or other dreams.

Access Your Equity

Cash Out Refinance for Your Home

Take cash out and refinance your home.

Cash Out Investor Loans

Refinance your rental property and take cash out for any use.

Jumbo Cash Out Loans

Cash out loans with fixed or adjustable rates.

Cash Out Apartment Loans

35 year non-recourse cash out refinancing with low fixed rates.

We’re Experts in Texas Cash Out Laws

About Our Real Estate Investing Services

Our founders started as residential real estate investors and learned to leverage their borrowing capacity to build a high-quality portfolio. They founded Hurst Lending and created a comprehensive loan portfolio for real estate investors. Our loans help investors grow their portfolios, access their equity, and buy properties without high-cost hard money loans.

We also enjoy assisting new investors (with solid w-2 jobs) in getting started in real estate investing. People with w-2 jobs can get low-cost long-term fixed-rate financing, which is the best way to build your portfolio over time. The main thing that prevents people from becoming landlords is a lack of knowledge and resources to get started. We address this issue by providing our mortgage clients with access to our real estate investing experts, as well as the same suite of tools, legal contacts, and contractors that our founders use for their own investment properties (at no extra cost). * If you are interested in expanding your portfolio or getting started in real estate investing, please click the get started button below or contact Scott Bialek, one of our founders, at sbialek@hurstlending.com. He enjoys assisting real estate investors expand their portfolios.

*Some services are only available in certain areas, and offers are subject to change at any time.

About Hurst Lending

We have been helping our customers buy, sell, and refinance their homes since 2006. Our personalized approach to the home buying process includes a suite of services that solve common hurdles in the home buying process. Have you ever experienced the frustration of Losing your dream home in a bidding war; Trying to buy before you sell; Had your buyer fallout; or Being on a fixed income and needing your equity to purchase a new home? Our Industry-leading suite of Domination Loans solves these issues. We also offer a suite of real estate investor loan products and a full suite of conventional, VA, FHA, construction and traditional home loans.

Make a Smart Move

“Football is hard. Refinancing doesn’t have to be
– consider a cash out refinance.”

Dat Nguyen
Hurst Lending Investor
Former Pro Football Player & Coach