One Loan. Cash In Hand.
Every Equity Scenario Covered.
MortgageHouz shops your equity access across Conventional, Non-QM, VA, and DSCR investor cash-out refinance — plus HELOC, for borrowers who'd rather keep their first mortgage rate intact. No personal income docs required for investors. No tax returns for the self-employed.
Which cash-out path fits you?
Click any card to jump to full program details, guidelines, and eligibility.
Conventional Cash-Out
The standard path for W-2 and salaried borrowers with strong credit — best pricing at 740+ FICO.
Non-QM Cash-Out
Bank statements, P&L, or 1099 income — no tax returns required. Built for self-employed borrowers.
VA Cash-Out / IRRRL
Access up to 100% of your home's value with no PMI, ever. IRRRL streamline available for existing VA loans.
DSCR Cash-Out
Pull equity from a rental based on the property's income — no personal income docs, LLC vesting OK.
HELOC
Access equity as a line of credit alongside your existing mortgage — no need to refinance your first rate away.
Best Rates. Best Long-Term Value.
Lower your rate, remove PMI, or pull cash — the standard path for W-2 and salaried borrowers with two years of tax returns on file.
💰 Debt Consolidation
Roll high-rate credit cards and loans into one fixed mortgage payment at a fraction of the interest rate.
🏠 Home Renovation
Fund a remodel or addition and keep everything under one predictable mortgage payment.
📈 Rate Improvement
If your current rate is above today's market, a rate-and-term refi lowers your payment while a cash-out refi does both at once.
🎓 Strong W-2 Income
Two years of tax returns and steady salary income — the fastest, cleanest underwriting path available.
🛡 PMI Removal
Refinance to 80% LTV or below to eliminate monthly PMI on a conventional loan.
🏘 High Credit Borrowers
740+ FICO with 20%+ equity remaining gets the most competitive pricing on the market.
Loan Parameters
- Max LTV: 80% (cash-out) · 97% (rate-and-term)
- Min FICO 620 — best pricing at 740+
- Max DTI 45–50% via automated underwriting
- 2026 conforming limit: $832,750 (most FL counties)
- $990,150 in Monroe County
Income & Eligibility
- W-2, salary, or self-employed with 2 years tax returns
- PMI required below 20% equity — cancellable at 80% LTV
- No waiting period from purchase to rate-term refi
- Primary, second home, and investment eligible
Use of Funds
- Debt consolidation
- Home improvements
- Investment property down payment
- Any lawful purpose at closing
Get Your Conventional
Cash-Out Quote
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Your Tax Returns Say Nothing.
Your Bank Statements Say Everything.
Self-employed borrowers write off everything — which kills conventional approval. Non-QM qualifies you on deposits, not deductions.
🥥 Self-Employed Borrowers
12- or 24-month personal or business bank statements accepted in lieu of tax returns.
📊 1099 Contractors
1099 and P&L income programs available for non-traditional earners.
🏘 Real Estate Investors
DSCR-based qualification available within the Non-QM cash-out umbrella for investment property owners.
🏠 Second Home Owners
Cash-out eligible on primary, second home, and investment properties — not just owner-occupied.
⚡ Credit-Challenged Borrowers
Qualifies down to 580 FICO — a path when conventional lenders have already said no.
🏢 LLC / Entity Owners
LLC vesting allowed on investor programs — keep your asset protection structure intact.
Loan Parameters
- Min FICO 580 on Non-QM programs
- Max LTV 75–80% cash-out
- No tax returns required
- Primary, second home, and investment eligible
Income Documentation
- 12-month bank statements (personal or business)
- 24-month bank statements (down to 580 FICO)
- DSCR-based qualification for investment properties
- P&L / 1099 programs available
Use of Funds
- Debt consolidation
- Business capital
- Investment property acquisition
- Any goal — no restrictions
Get Your Non-QM
Cash-Out Quote
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Up to 100% of Your Equity.
Zero PMI, Ever.
Eligible veterans and active duty service members can access more equity than any other loan type in the market — with no monthly mortgage insurance.
🈒 Veterans & Active Duty
Full entitlement eligible for up to 100% LTV cash-out refinancing — no other loan type goes this far.
⚡ Existing VA Loan Holders
IRRRL (Interest Rate Reduction Refinance Loan) offers minimal documentation to lower your rate or stabilize payment.
🛡 No-PMI Seekers
VA loans never carry monthly mortgage insurance — cash-out or IRRRL, the savings compound every month.
💰 Debt Consolidation
Use VA cash-out to retire high-rate debt with a single, predictable VA-backed payment.
🏠 Home Renovation
Tap up to full home value for a remodel while keeping VA's competitive, no-PMI pricing.
📍 Surviving Spouses
Eligible surviving spouses can access the same VA cash-out and IRRRL benefits as the veteran borrower.
Loan Parameters
- VA Cash-Out: up to 100% LTV available
- VA IRRRL: minimal documentation, streamline process
- No PMI — ever, on either program
- Min FICO: most lenders require 620 (VA sets no floor)
Eligibility
- Certificate of Eligibility (COE) required
- IRRRL requires an existing VA loan
- Primary residence only
- Veterans, active duty, and eligible surviving spouses
Fees
- Funding fee: 0.50% (IRRRL)
- Funding fee: 2.15% (first-use cash-out)
- Eligible closing costs can be rolled into new balance
- Funding fee waived for 10%+ disability rating
Get Your VA
Cash-Out Quote
Request a Quote →
Qualify On the Rent.
Not Your Tax Return.
Pull equity from a rental property based on what it earns — not your W-2. Built for investors scaling a portfolio without personal-income ceilings.
🏘 Portfolio Investors
SFR, 2–4 unit, condo, townhome, or small multifamily — DSCR cash-out covers the full range of investment property types.
🏢 LLC / Entity Owners
LLC and entity vesting allowed — keep your asset protection structure intact while accessing equity.
🏝 Short-Term Rental Owners
Airbnb and VRBO income is fully recognized on DSCR underwriting, not just long-term lease income.
⚡ Scaling Operators
DSCR doesn't count against your personal DTI the way conventional mortgages do — your portfolio can keep growing.
🌎 Foreign Nationals
DSCR eligibility extends to foreign national investors on select programs.
💼 Self-Employed Investors
No tax returns, W-2s, or personal income verification of any kind — the property qualifies itself.
Loan Parameters
- No tax returns, W-2s, or personal income verification
- Qualify on property cash flow only (DSCR ratio)
- DSCR as low as 0.75x on select programs
- Min FICO 620–640 · Loan amounts to $5M+
Property & Structure
- SFR, 2–4 unit, condos, townhomes, small multifamily
- LLC and entity vesting allowed
- 30-year fixed, ARM, and interest-only options
- Short-term rental (Airbnb/VRBO) income recognized
Use of Funds
- Fund your next acquisition
- Portfolio-wide renovation capital
- Payoff high-rate private/bridge debt
- Any investment-purpose use
Get Your DSCR
Cash-Out Quote
Request a Quote →
Keep Your Rate.
Take Your Equity.
A HELOC sits alongside your current mortgage — you never give it up. Draw what you need, when you need it, instead of refinancing your whole loan for cash.
🛡 Low First-Rate Holders
If your existing mortgage rate is good, a HELOC lets you access equity without trading it away in a refinance.
🥥 Self-Employed Borrowers
12-month personal or business bank statements accepted in lieu of tax returns.
🏘 Real Estate Investors
Investment property HELOCs up to 75% CLTV. LLC vesting allowed — fund your next acquisition from existing equity.
🏠 Renovators
5-year interest-only draw period means you only pay on what you actually use.
💰 Debt Consolidators
Retire high-rate credit cards and loans against a line secured by equity you've already built.
⚡ Fast-Close Seekers
AVM available up to $400,000 — no full appraisal needed on many files. Close in as little as 5 days.
Loan Parameters
- Lines from $50,000 to $1,000,000
- Primary: up to 90% CLTV · 2nd home: 85% · Investment: 75%
- Min FICO 660 (primary/2nd) · 700 (investment)
- Max DTI 50%
Income & Structure
- 12-month bank statements accepted for self-employed
- LLC vesting allowed on investment programs
- 5-year interest-only draw · 30-year maturity
- Close in as little as 5 days (digital program)
Use of Funds
- Debt consolidation
- Renovation or tuition
- Investment property down payment
- Any goal — draw as needed
Get Your HELOC
Quote
Request a Quote →
“I'm self-employed and write off everything. Tax returns showed almost nothing. MortgageHouz qualified me on 12 months of bank statements and I closed a cash-out refi in 19 days.”— Carlos M., Self-Employed Borrower · Tampa, FL
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Refi Quote Today
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