Advanced investment analysis
Refinance Proceeds and Equity Recapture Calculator
Estimate refinance cash using value, DSCR, LTV and existing debt. Enter your own assumptions and local rates.
Calculate your result
What this calculator estimates
Estimate refinance cash using value, DSCR, LTV and existing debt. It combines the inputs below to produce Estimated cash-out proceeds. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.
Worked example
Using the displayed sample assumptions, the calculator produces $675,000. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.
Inputs and assumptions
- Refinance property value — sample input: 3000000 currency units
- Annual NOI — sample input: 240000 currency units
- Maximum LTV — sample input: 70 %
- Minimum DSCR — sample input: 1.25 times
- New loan rate — sample input: 6 %
- Amortization — sample input: 25 years
- Existing loan payoff — sample input: 1400000 currency units
- Refinance costs — sample input: 25000 currency units
How to interpret the result
Run downside, expected and upside cases before relying on the output. Compare a conservative case with an expected case and keep a record of the assumptions used.
Common mistake to avoid
Do not assume exit value, financing and income forecasts are certain. Local definitions, taxes, lending practices and measurement requirements can materially change the result.
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Reviewed 2026-09-08.