What the Refinancing Page Does
The Refinancing tab is designed to help you determine when, how, and why to refinance an asset — with a focus on maximizing IRR and cash-out potential. Whether you have one loan or several, the page guides you through building a clear refinancing scenario using live inputs and smart projections.
How to Use the Refinancing Page
📋 Left Side: New Loan Assumptions
This is where you input the variables for your potential refinance:
Total loan amount
Interest rate and term structure
Optional: Select which debts to pay off if multiple loans are in place
Set new loan parameters to run tailored refinancing models
📊 Right Side: Debt Calculator + Refinance Analysis
This section automatically evaluates the refinance potential over time:
Calculate based on Loan-to-Value (LTV), Minimum DSCR, and Financing Cap Rate
Cactus automatically identifies the optimal year to refinance based on highest IRR
Toggle between chart view and table view to see:
Year-by-year loan proceeds
Potential cash-out amount
Corresponding IRR uplift
Why It Matters
Refinancing is one of the most powerful levers in a real estate deal. Cactus helps you:
Time your refinance to maximize investor returns
Model different debt structures without spreadsheets
Make fast, data-backed refinance decisions with confidence