Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

Unlock Real Estate Equity: Cash-Out Refi & Commercial Loans Explained!

28 Jul 2026 · 1 min

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0:41

Tommy Dobczyk explains how to unlock equity in a rental property using a cash-out refinance with a DSCR loan. Convert a conventional loan to a 30-year commercial loan, pull out your full equity, reinvest it elsewhere, and skip capital gains tax by keeping the property instead of selling it.

Chapters

cash-out refi. This is where you're going to do more of a BRRRR method, but you already know this. Um, I want to explain it to everybody else. Uh, Lance's option here would be to get a— what's called a cash-out refi DSCR loan. Have you looked at a DSCR for this? Uh, I have a conventional loan on it right now, so— right, but have you thought about doing a 30-year commercial loan on it for a rental? Nope. So we might, we might get you to entertain that idea. Um, because again, you could basically, it's like pulling all the equity out of it, uh, to, to reinvest without selling it and having to pay capital gains before you, you know, before you reinvest. Right.