Investor Loans | Investor Refinance

Optimize Your Investment Portfolio

Investor Refinance

Unlock equity, reduce rates, or restructure your financing with tailored solutions for real estate investors. Our lending experts are here to help you maximize your portfolio’s potential. Fill out the form below to get started.

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949-401-7593

UP TO

6.375%

RATES FROM*

80%

LTV

10-14

DAY CLOSE

30,40yr

I/O OPTION

$100k up to $20M

Step 1: Submit Your Deal

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Investor Refinance

Benefits

Why Choose Our Investor Refinance Loans?

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Investor Refinance loans are designed to unlock the full potential of your existing investment properties. Whether you want to access equity, reduce your interest rates, or restructure your financing, our straightforward process ensures fast, flexible options tailored to your goals. Our refinancing solutions provide real estate investors with competitive terms, quick access to funds, and the flexibility needed to grow and optimize their portfolios.

Investor Refinance Calculator

Calculate new loan amount, LTV, and monthly payment for your refinance.

Current Loan Balance $

New Appraised Value $

Cash Out Amount $

Interest Rate %

Loan Term (Years)

Interest Only

Tailored for Real Estate Investors

Are We a Good Fit?

Our Investor Refinance loans, including hard money and cash-out refinance options, are designed to provide flexible, fast funding for real estate investors looking to optimize their portfolios or access equity. To qualify, you’ll need:

Experience

First Time Investor

Credit Score

Minimum of 660

Liquidity/Reserves

0% down, 3 months of reserves.

Property Type

SFR, Condo, Townhome, 1–8 Units

Additional Requirements

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Get Started

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Begin your journey to homeownership today!

Apply Now!

949-401-7593

Key Loan Terms for Real Estate Investors

Investor Refinance Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type

Investor Refinance

Experience Required:

First Time Investor OK

Minimum Credit Score:

660

Liquidity:

0% Down

Reserves:

3mo. Reserves

Prepayment Penalty:

Optional

Closing Timeline:

10 to 14 Days

Draw Schedule:

N/A

Rate:

6.375%

Loan-to-Value LTV:

80% Cash Out, 85% Rate & Term

Loan-to-Cost (LTC):

N/A

Loan Term:

30, 40 Yr or Interest Only

Asset Types:

SFR, Condo, Townhome, 1–8 Units

Loan Amount Min:

$100k

Loan Amount Max:

$20M

Product Specifics:

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Number of Units:

1 to 8 Units

Apply Now!

949-401-7593

Your Trusted Partner in Real Estate Refinancing

Transparent Process: We make refinancing simple and stress-free, so you can focus on your investments.
Quick Turnarounds: Our team ensures fast and reliable closings, typically within 10-14 days.
Customized Solutions: We offer refinancing options tailored to your specific goals, from reducing rates to accessing equity.
Dependable Expertise: With years of experience in real estate lending, we’re committed to helping you succeed.

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949-401-7593

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

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949-401-7593

Vice President

Arran Amorozo

Arran Amorozo is a seasoned Mortgage Loan Officer and Vice President at West Capital Lending, based in Orange County, California. With over a decade of experience in the mortgage and real estate industry, Arran has built a reputation for delivering creative financing solutions and personalized strategies to help clients achieve their homeownership and investment goals.

Over the course of his career, Arran has personally funded more than 2,000 loans and exceeded $500 million in total loan volume. He currently manages a team of over 20+ loan officers, providing mentorship, systems, and leadership to help his team perform at the highest level.

Arran specializes in investment property financing, DSCR loans, self-employed borrower programs, and first-time homebuyer solutions. His approach combines traditional lending expertise with outside-the-box thinking — ensuring clients receive tailored strategies that align with both short- and long-term financial goals.

With a strong nationwide network of real estate professionals, investors, and lenders, Arran and his team are dedicated to helping clients build wealth through smart financing and strategic property acquisition.

If you’re looking for a lender who combines experience, creativity, and execution — Arran Amorozo and the team at West Capital Lending are ready to help you make your next move.

Apply Now!

949-401-7593

Recently Funded deals

Deal Type	Address	Loan Amount
Fix & Flip	10524 Catalina Pl, White Plains, MD 20603	$140,000
Fix & Flip	3034 Lundt, Waldorf, MD 20603	$300,000
Fix & Flip	7256 Joplin S, Capital Heights, MD 20743	$120,000
Fix & Flip	Ridgway Ave, Durham, NC 27701	$25,000
Fix & Flip	327 Whittier St, Washington, DC 20012	$340,000

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"Working with Lance and Warren at Sphinx Capital has been a great experience! They are responsive, knowledgeable and make the process easy to understand. We now use them for all of our loan needs, both for renovations and DSCR refinances."

Katie N

Tennessee

"Working with Sphinx Capital on my multifamily purchase was great. Lance made the process smooth and streamlined. I’m looking forward to our next deal!"

Joe D

Florida

"After getting strung along by several lenders, Sphinx Capital was able to quickly qualify and get my loan to the closing table. I’m grateful to have found such a helpful and honest lender."

Marcia T

California

"Sphinx Capital provided the perfect loan structure for our subdivision, including funds for the horizontal site work, interest reserve, and vertical construction. The entire process was easy and they communicated well, allowing us to pay off our previous hard money loan and move forward to the next phase."

Mark S

Texas

"Lance and his team were able to guide our complex project through underwriting with ease. I felt informed the whole way through the process and definitely recommend working with them to structure and prepare your loan proposal for success."

Jose R

Colorado

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