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Smart Refinancing for Primary Homes & Investment Properties
At Real on Rise Capital Inc., we provide fast, flexible refinance's. Whether you’re looking to lower your monthly payment, secure a better rate, or leverage equity, we offer tailored refinance solutions for both primary residences and investment properties. Our approach is straightforward, strategic, and designed to help you make confident financial decisions—today and long term.
Refinancing Options for
Primary Homes and Investment Properties
Primary Residence Refinances (FHA, Conventional & Jumbo)
We provide a full range of refinance options for owner-occupied primary residences, including FHA, Conventional, and Jumbo loans. Whether your goal is to lower your interest rate, reduce monthly payments, remove mortgage insurance, or restructure your loan terms, we guide you through the process with clarity and personalized strategy.
DSCR Refinances for Rental Properties (44 States Nationwide)
Our DSCR refinance programs are designed specifically for real estate investors. Qualification is based on the property’s cash flow rather than personal income, making it an ideal solution for rental portfolios. These programs are available in 44 states nationwide and support both single-property and multi-property investors.
Reverse Mortgage Refinances (HECM & HECM-to-HECM)
We offer both traditional HECM reverse mortgage refinances and HECM-to-HECM options for homeowners who already have a reverse mortgage. These programs can help increase available proceeds, improve loan terms, or provide greater financial stability during retirement.
Bridge Loan Refinances for Fix & Flip and Construction Projects
We refinance bridge loans used for fix-and-flip and construction projects, including properties that are mid-rehab or under active construction. Our solutions can include remaining rehab or construction costs, allowing investors to complete projects smoothly and transition into long-term financing.
Balloon Loan Relief & Distress Sale Prevention
If you are facing a maturing balloon loan or short-term financing deadline, we offer refinance solutions designed to help avoid distress sales. Our team works quickly to explore options that stabilize your loan and protect your equity.
HELOCs & Second Lien Financing
Access your home’s equity without refinancing your first mortgage through HELOC and second-lien options. These solutions provide flexible access to funds for renovations, investments, or other financial needs while preserving your existing low-rate first loan.
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LOAN DOCUMENT SUBMISSION
CHECK LIST
Use this checklist to gather the documents needed to apply for a Bank Statement Loan. Requirements may vary by lender and state.
01
1003 APPLICATION
COMPLETE 1003 APPLICATION, UPLOAD ALL REQUIRE SUBMISSION DOCUMENTS
03
INCOME INFORMATION
ASK LOAN OFFICER FOR INCOME DOCUMENT LIST PER PROGRAM.
02
PERSONAL INFORMATION
PHOTO ID, SOCIAL SECURITY OR PASS PORT,. CREDIT REPORT AUTHORIZATION FORM, PULL CREDIT REPORT
04
PROPERTY INFORMATION
APPRAISAL, MORTGAGE STATEMENT, TAX CERTIFICATE, INSURANCE INVOICE OR RECEIPT, HOA QUESTIONNAIRE (if applicable)
LIQUIDATE EQUITY & REINVEST
STRATEGIC FEATURES PER PROGRAM
CASH OUT REFINANCE
A cash-out refinance replaces your existing mortgage with a new loan that is higher than your current balance, allowing you to access the difference in cash. The funds can be used for renovations, debt consolidation, investments, or other financial goals. This option is commonly used when you have built up equity and want to leverage it while still maintaining long-term financing.
RATE & TERM REFINANCE
A rate-and-term refinance is designed to improve the structure of your existing loan without taking cash out. The goal is to secure a lower interest rate, change the loan length, or move from an adjustable to a fixed rate. This option is ideal for borrowers looking to reduce monthly payments or improve loan stability while keeping their equity in place.
FIX & FLIP / CONSTRUCTION BRIDGE REFINANCE
(INCLUDES PROJECT BUDGET)
A fix-and-flip or construction bridge refinance is a short-term financing solution used for properties that are being renovated or constructed. Unlike traditional refinances, this option can include funds for remaining rehab or construction costs within the loan. It is commonly used when a project is mid-construction or needs capital to complete or start renovations, with the goal of stabilizing the property or transitioning into permanent financing after completion.
BALLOON LOAN RELIEF
A Balloon Loan Relief is designed to help borrowers pay off a balloon loan that is coming due, such as a bridge loan or other short-term financing. When a large lump-sum payment is required at maturity, this refinance option can replace the existing loan with more stable, long-term financing to help avoid financial disruption.
In more urgent situations, a Balloon Loan Relief refinance may also be used to address loans facing legal or foreclosure-related action. Depending on timing and eligibility, refinancing can help resolve or cure a Notice of Lis Pendens, Notice of Default, or Notice of Foreclosure by paying off the existing loan and stopping the progression toward a forced sale. The goal is to protect equity, stabilize the loan, and provide a clear path forward.
REVERSE MORTGAGE REFINANCE
A Reverse Mortgage Refinance allows eligible homeowners age 62 and older to refinance an existing mortgage—or an existing reverse mortgage—into a new Home Equity Conversion Mortgage (HECM). This option can be used to access additional equity, improve loan terms, or create greater financial flexibility without requiring monthly mortgage payments.
For homeowners with an existing reverse mortgage, a HECM-to-HECM refinance may be beneficial if home values have increased, interest rates have improved, or the borrower wishes to add or remove a borrower on the loan. Refinancing can increase available proceeds, establish a new line of credit, or restructure the loan to better align with current financial needs.
Reverse mortgage refinance proceeds may be used to pay off an existing mortgage, cover living expenses, manage healthcare costs, or create a financial buffer during retirement. As with all reverse mortgages, borrowers must continue to pay property taxes, homeowners insurance, and maintain the home as their primary residence.
LIQUIDATE EQUITY & REINVEST