Your Equity Is Capital. Let's Put It to Work.

A cash-out refinance replaces your existing mortgage and converts a portion of your home equity into usable capital. For self-employed borrowers, investors, and high-net-worth individuals. CapitalSource structures approvals that conventional lenders can't.

Secure intake · No obligation · No credit impact

One Transaction. Multiple Possibilities.

A cash-out refinance replaces your existing mortgage with a new loan at a higher balance the difference comes to you as cash at closing. It is one of the most powerful tools for homeowners who have accumulated substantial equity and want to deploy it strategically.

The challenge: conventional lenders require rigid income documentation that disqualifies the very borrowers most likely to benefit. That's the gap CapitalSource is built to fill.

Non-QM Qualification for Non-Traditional Borrowers.

CapitalSource structures cash-out refinances across a full non-QM qualification stack. Approval can be based on bank deposits, property cash flow, asset reserves, or equity position.

[ PROGRAMS FOR CASH-OUT ]

  • Bank Statement (12 or 24 month)

  • DSCR real estate investors qualifying on property cash flow

  • Asset Depletion / Asset Qualifier

  • No Ratio equity and asset-based, income not calculated

  • No Doc minimal documentation, equity and reserves driven

  • P&L Only CPA-prepared profit & loss

COMPLIANCE: Certain programs may not require traditional income documentation. All loans subject to eligibility

guidelines and credit approval.

Who This Is For

  • Self-employed borrowers who can't qualify through conventional income documentation

  • Real estate investors with complex income and multiple properties

  • High-net-worth individuals with significant assets and non-traditional income

  • Borrowers with substantial equity and a clear capital deployment purpose

Common Uses for Proceeds

  • Business investment or capitalization

  • Real estate acquisition or down payment

  • Debt restructuring or payoff

  • Major renovation or property improvement

  • Wealth deployment or portfolio diversification

CapitalSource is a dba of EquitySource.
EquitySource operates as a mortgage broker and direct lender licensed by the California Department of Financial Protection and Innovation (License No. 60DBO-112262) and the California Department of Real Estate (Broker License No. 02111255).
NMLS ID 1936121.

© 2026 CapitalSource. All Rights Reserved.