Cash buyer financing

BOUGHT WITH CASH? PLAN YOUR NEXT MOVE.

Paying cash for a property doesn’t have to be the end of your financing plan. Explore ways to replenish cash, finance a rental, or prepare for your next purchase—based on your property and qualifications.

THE BUSINESS FINANCING PROCESS

SHARE YOUR PURCHASE

Tell us when you bought, what you paid, and how you funded the purchase.

REVIEW THE PROPERTY

Discuss occupancy, property type, condition, value, and ownership.

EXPLORE YOUR OPTIONS

Review potential programs, available equity, costs, and monthly payments.

PROVIDE DOCUMENTS

Gather purchase records, proof of funds, and program-specific documents.

REVIEW & CLOSE

Review final terms and complete closing if approved.

EXPLORE FINANCING OPTIONS

01

Delayed Financing

Recently paid cash? Review whether a delayed financing exception could let you recover eligible funds before the ownership waiting period.

Discuss this option →

02

Cash-Out Refinance

Explore a new mortgage on a property you own outright. Available proceeds depend on value, loan limits, ownership timing, and qualifications.

Discuss this option →

03

Rental Property Financing

For an investment property, review financing that may consider rental cash flow, including available DSCR programs. Lender requirements vary.

Discuss this option →

04

Home Equity Options

Explore an available home equity loan or line of credit for an eligible property. Compare a lump sum with revolving access to funds.

Discuss this option →

05

Self-Employed Borrowers

Review available documentation options based on your income profile. Alternative documentation does not eliminate underwriting.

Discuss this option →

06

Multifamily & Commercial

Bought an apartment building or commercial property with cash? Explore property-specific financing based on income and occupancy.

Discuss this option →

FREQUENTLY ASKED QUESTIONS

Can I get financing after paying cash for a property?

Potentially. The right route depends on when you purchased, how you paid, the property type and use, and your qualifications. A property owned outright can still serve as collateral for a new loan.

It is an exception that can allow eligible cash buyers to refinance soon after purchase instead of waiting for standard ownership seasoning. It is a new loan secured by the property, with closing costs and monthly payments—not a refund of the purchase price.

Not always. Fannie Mae has a delayed financing exception for qualifying purchases within the past six months. Specific documentation and eligibility rules apply, and other programs have their own timing requirements.

Not necessarily. The loan is limited by program rules, eligible documented investment, property value, and maximum loan-to-value ratios. Closing costs and any required debt payoff also affect the amount you receive.

Keep the purchase settlement statement, proof of the source and transfer of purchase funds, title information, and any loan documents for funds borrowed elsewhere. Income, assets, credit, appraisal, and rental records may also be required.

Tell us how the purchase was funded. Under the Fannie Mae delayed financing exception, proceeds must pay off or pay down qualifying debt used for the purchase, as applicable. The source and use of funds must be documented.

Rental properties may have conventional, DSCR, or other investor financing options. Entity ownership and title history affect eligibility; an LLC structure does not qualify for every program.

Compare the value of keeping cash available with interest, fees, monthly obligations, and the risk of securing debt against the property. Financing is optional; the goal is a structure that fits your plans and ability to repay.

Have more questions? Contact us — we’re here to help.

PUT YOUR NEXT STEP IN FOCUS

Start with what you want your cash and property to do next.

  • Replenish available cash
  • Review a recent cash purchase
  • Finance a rental property
  • Keep reserves for future needs
  • Plan another acquisition
EXPLORE YOUR OPTIONS

LOOK AT THE WHOLE PICTURE

More than one financing need?

Your property, business, and next investment may need different financing. Explore each request on its own merits.

Your Property

Review equity and loan options

Your Business

Explore business funding

Your Next Move

Discuss another purchase

EXPLORE BUSINESS FINANCING

LOOKING FOR BUSINESS FUNDING?

Let’s Talk Through Your Options

Tell us about your cash purchase, purchase date, purchase price, and what you want to accomplish. We’ll help you understand possible next steps.

Please don’t include sensitive financial information

Financing is subject to lender approval, eligibility, underwriting, and program availability. Rates, fees, terms, documentation, collateral, and guarantee requirements vary. Prosperis helps clients explore financing through lending and referral relationships; the financing provider makes credit decisions. This is not a commitment to lend.

✅ Request Received

Thanks — we’re reviewing your scenario now.
We’ll text/email you shortly with your loan options.

Need help sooner?
📞 Call/Text: (714) 752-0578

Mortgage Rates Disclosures

 

The advertised loan is a 15-year Fixed Rate Loan with a 15-year fully amortizing term. The interest rate is 5.250% for 180 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.755% APR with a monthly principal and interest payment of $5,838 for 180 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Interest rate quoted assumes a purchase of a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.


The advertised loan is a 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.545% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

The advertised loan is an FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 6.437% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes, hazard insurance, or mortgage insurance; actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

This is a VA program. Current guidelines for VA Financing can be found at https://www.benefits.va.gov/homeloans/index.asp . The advertised loan is a VA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.882% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 100% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

Refinance: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.