10/22/2026
CASE STUDY
5 Unit Mixed-Use High LTV Cash-Out Refinance
New London, CT
Loan Amount: $468,750
Loan-to-Value: 78%
Interest Rate: 7.28%
October Lending helped an investor complete a cash-out refinance on a 5-unit mixed-use property in New London, Connecticut, securing an attractive interest rate while maximizing the equity available to the borrower.
THE STRATEGY
✅ Refinance an existing 5-unit mixed-use investment property
✅ Access accumulated property equity through a cash-out refinance
✅ Maximize available financing with an aggressive 78% LTV
✅ Secure a competitive interest rate on a commercial investment property
✅ Preserve ownership while unlocking capital for additional investments
THE LOAN
✅ $468,750 Total Loan Amount
✅ 5-Unit Mixed-Use Property
✅ Commercial Cash-Out Refinance
✅ 78% Loan-to-Value
✅ 7.28% Interest Rate
✅ High-leverage commercial financing
✅ Structured to access equity without selling the property
THE RESULTS
✅ Successfully closed a $468,750 cash-out refinance
✅ Achieved 78% LTV, allowing the borrower to access more of the property's equity
✅ Secured a competitive 7.28% interest rate
✅ Maintained ownership of the mixed-use investment property
✅ Unlocked capital that can be used toward future real estate investments
✅ Increased the investor's financial flexibility without selling the asset
THE INVESTOR WIN
✅Commercial mixed-use properties can be challenging to refinance, particularly when investors want to maximize their cash-out proceeds.
✅ October Lending helped this borrower secure a $468,750 commercial cash-out refinance at 78% LTV with a 7.28% interest rate.
The financing allowed the investor to access equity while maintaining ownership of their 5-unit mixed-use property.
Higher leverage. Competitive rates. More capital available for the next opportunity.
