Investment Property Refinancing

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Your investment property financing should support your long-term investment strategy.

TDJ Equity Funding helps real estate investors evaluate refinancing solutions for existing investment property debt, whether the goal is to replace a maturing loan, restructure financing, evaluate more suitable loan terms, or improve the property's long-term financing position.

Our strategy-first approach begins with understanding your property, existing debt, investment objectives, and overall financing needs.

Explore refinancing options designed to replace existing investment property debt with financing better aligned with your investment objectives.

Potential considerations include:

• Replacing an existing investment property mortgage
• Evaluating different repayment structures
• Transitioning from short-term to long-term financing
• Refinancing an approaching balloon payment
• Restructuring existing investment debt

Available terms depend on borrower qualifications, property eligibility, market conditions, and lender underwriting.

For eligible income-producing rental properties, Debt Service Coverage Ratio (DSCR) financing may allow lenders to evaluate the property's rental income relative to its debt obligations.

DSCR refinancing may be appropriate for investors seeking financing that focuses substantially on property cash flow.

TDJ also assists investors evaluating refinancing for eligible multifamily and commercial investment properties.

Financing structures vary based on property type, occupancy, income performance, loan amount, existing debt, and other underwriting considerations.

• Single-family investment rental properties
• Eligible two- to four-unit investment properties
• Multifamily investment properties
• Commercial investment real estate
• Eligible rental property portfolios

All properties must meet applicable lender requirements.

Real estate investors may evaluate refinancing when:

• An existing investment loan is approaching maturity
• A short-term or bridge loan needs replacement
• A construction project has reached stabilization
• Existing financing no longer aligns with the investment strategy
• A portfolio requires debt restructuring
• The investor wants to evaluate alternative financing options

Refinancing is not automatically the best financial decision. TDJ helps evaluate the proposed structure alongside existing terms, transaction costs, and investment objectives.

Our preliminary financing assessment may include:

• Property address and investment property type
• Current estimated property value
• Existing mortgage balance and payoff
• Current loan terms and maturity date
• Rental income or property operating income
• Property operating expenses
• Borrower credit and financial qualifications
• Ownership and borrowing entity structure
• Requested refinancing amount
• Intended financing strategy

Additional documents may be required based on the transaction.

1. Funding Discovery Consultation

We discuss your property, existing debt, refinancing objectives, and proposed financing structure.

2. Financing Readiness Review

TDJ evaluates the property's financial information, existing obligations, borrower qualifications, and required documentation.

3. Strategic Financing Assessment

We assess potential refinancing structures and prepare the transaction through TDJ's pre-underwriting process.

4. Lender Financing Options

Once the file is lender-ready, TDJ may present available financing options from appropriate lenders for your consideration.

Refinancing an investment property requires more than comparing interest rates. The right financing structure should support your property's performance and your broader investment strategy.

Schedule a Real Estate Funding Consultation

Discuss your investment property refinancing objectives with TDJ Equity Funding.

All financing is subject to lender underwriting, property eligibility, program requirements, and approval. TDJ Equity Funding does not guarantee financing availability, approval, savings, or specific loan terms.