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Cash-Out Refinance

Pull equity without selling

See the cash you'd free, the payment you'd carry, and the equity you'd keep.

Refinance a property you already own: size the new loan to the lender's LTV, pay off the old note, and see your net cash out, new payment, new DSCR, and remaining equity — or flip to rate/term mode and find the break-even on a lower rate.

Net Cash Out
$82,500
75% LTV
New Loan
$255k
New Payment
$1,739
Equity Left
$85k
Pull equity — or flip to rate/term mode and see the break-even month on a lower rate.
Calculates:Net cash outNew loan & LTVNew paymentNew DSCREquity remainingRate/term break-even
Watch it in action

This is Roof Rise, live

Cash flow & equity projections
< 2 min
to underwrite a deal
Zero
broken formulas to debug
1 click
to a branded one-pager

Stop wrestling spreadsheets

Same answer, a fraction of the time — and the math is always right.
Build it yourself
Hours building a refi worksheet with LTV sizing, payoff math, and a break-even calculation from a blank sheet
One wrong formula and every number downstream is off
Re-do the whole thing every time an assumption changes
No charts, and nothing clean to hand a lender or partner
Use Roof Rise
Open the calculator and type in your numbers
Audited formulas — the math is always right
Change any input and everything recalculates instantly
Charts built in, plus a one-page PDF to send anyone

How it works

Three steps, start to investor-ready.
1
Enter your numbers
Purchase price, financing, income and costs — in plain fields, no formulas.
2
See your returns
Net cash out, New loan & LTV, New payment and more, recalculated the instant you type.
3
Save, compare & export
Snapshot scenarios, compare them side-by-side, and download a branded one-pager.

What you get

Everything you need to make the call with confidence.
Cash-out or rate/term
Two modes: pull equity at a target LTV, or lower the rate and see the break-even month.
The full picture
Net cash after payoff, points and closing — plus the payment change it costs you.
DSCR after the refi
Add rent and see whether the property still covers the bigger note comfortably.
Feeds your next deal
The cash you free here is the down payment on the next one — underwrite it in the same toolkit.
Buy & Hold / BRRRRSingle FamilyMulti-Family

Common questions

Straight answers about the Cash-Out Refinance calculator.

What does the Cash-Out Refinance calculator do?

Refinance a property you already own: size the new loan to the lender's LTV, pay off the old note, and see your net cash out, new payment, new DSCR, and remaining equity — or flip to rate/term mode and find the break-even on a lower rate.

What does the Cash-Out Refinance calculator compute?

It calculates Net cash out, New loan & LTV, New payment, New DSCR, Equity remaining, Rate/term break-even — recalculated instantly as you change any input.

Is the Cash-Out Refinance calculator free?

The Cash-Out Refinance calculator is part of Roof Rise Pro ($19/month, or $14/month billed annually). Every paid plan starts with a 14-day free trial, and three calculators (Mortgage, 70% Rule, and Quick Metrics) are free forever.

What spreadsheet does it replace?

It replaces a refi worksheet with LTV sizing, payoff math, and a break-even calculation — with audited formulas, built-in charts, saved scenarios, and a one-click branded PDF report.

One subscription. Every strategy.

Twenty-two calculators, a 14-day free trial, and your money back in your pocket — not in a spreadsheet.

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