Real Estate Investing with Coach Carson #439: Cash-Out Refi Explained: How to Tap Your Equity Without Killing Cash Flow
Aug 25, 2025
Bryan Maddox, an investor-friendly mortgage broker, shares crucial insights into cash-out refinancing. He explains how this strategy can help real estate investors tap into their home equity to boost cash flow and fund new investments. The conversation covers the benefits of working with a broker and the differences between cash-out refis and home equity lines of credit. Maddox also discusses navigating risks and the importance of informed financial decisions, making a compelling case for understanding these refinancing options in today's market.
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What Cash-Out Refinance Means
- A cash-out refinance replaces or modifies your mortgage and puts cash in your pocket at closing.
- Any refinance that gives you money at closing qualifies as a cash-out refinance.
Put Equity To Work
- Use cash-out to free idle home equity and redeploy it into investments or to pay debts.
- Ensure the purpose is business-related for investment properties or strategic for a primary residence.
Replace High-Interest Debt With Mortgage Debt
- Move high-interest credit card debt onto a mortgage if the blended rate falls significantly.
- Calculate monthly cost per borrowed dollar to compare mortgage vs credit card payments.
