• Nadlan Capital Group – USA Real Estate Financing for Foreign Nationals and Residents

  When a Higher Appraisal Means More Leverage – Hila’s Refinance Win in Georgia

  Posted by Nadlan Group on May 7 at 23:28

  🏠 Case Study: When a Higher Appraisal Means More Leverage – Hila’s Refinance Win in Georgia

  📌 Loan #1363 – Refinance with Cash Out | Georgia | Lender #2490
  💰 Property Value: $195,000 | 🧾 Requested Loan Amount: $117,000

  In real estate investing, surprises aren’t always bad — especially when they come in the form of a higher-than-expected appraisal. Hila’s refinance journey is the perfect example of how a good valuation can unlock greater cash-out potential.

  📖 Background

  Hila started her refinance with Nadlan Capital Group, estimating her property’s value around $180,000 and requesting a 65% LTV, which would have resulted in a $117,000 loan.

  📈 The Positive Twist: Strong Appraisal Report

  The appraisal came back with a property value of $195,000, which shifted her originally planned 65% LTV loan into a 60% LTV loan — leaving room to borrow more if desired.

  📝 Action Taken: Request for Full 65% LTV

  Realizing the opportunity, Hila and her advisor requested an increase in the loan amount to reflect 65% LTV, which equates to a new loan amount of $126,750.

  🏦 Lender’s Response: Higher LTV Approved (with Rate Bump)

  📩 On May 7, 2025, Denver from Nadlan Capital Group shared:

  “Hi @Sholomi – Nadlan Capital Group, the lender confirms that they can go up to 65% LTV and the rates would increase by approx 20 bps. Please do let me know if you would wish to proceed with 65% LTV?”

  This gave Hila the green light to unlock more capital — with a minor tradeoff in rate.

  📊 Final Loan Summary (as of May 7, 2025)

  • 🏦 Loan Amount (current): $117,000

  • 💡 Potential Loan Amount at 65% LTV: $126,750

  • 🏠 Appraised Value: $195,000

  • 📅 Loan Product: 30-Year Fixed

  • 📉 Interest Rate: 6.604% (subject to change by 5/14/2025)

  • 💵 Monthly PITIA Payment: $1,100.62

  • 🧾 Recourse: Full to borrower and guarantor

  📌 Key Takeaways

  🔹 Strong appraisals can improve your loan strategy — always ask for re-evaluation if values shift.
  🔹 LTV flexibility isn’t automatic — you must proactively request updated terms.
  🔹 More leverage = slightly higher rate, but also greater liquidity.
  🔹 Rapid borrower response and strong broker support keep deals on track.

  ✅ Conclusion

  This deal shows how important appraisal timing and borrower flexibility are in DSCR financing. Thanks to a favorable appraisal and decisive action, Hila now has the option to pull more capital from her property without starting over — a true win.

  #DSCRLoan #RealEstateInvesting #CashOutRefinance #PropertyAppraisal #InvestmentProperty #RealEstateFinancing #NadlanCapitalGroup #LoanToValue #HigherAppraisal #MortgageStrategy #ForeignInvestorLoans #GeorgiaRealEstate #UnderwritingProcess #RentalPropertyLoans #RefinanceSuccess

  

  

  Nadlan Group replied 5 days, 22 hours ago 1 Member · 0 Replies

  • 30-Year Fixed Mortgage
  • Cash-Out Strategy
  • DSCR Loans
  • Foreign National Financing
  • Georgia Real Estate
  • Investment Property Loans
  • Loan-to-Value
  • Mortgage Rate Adjustment
  • Nadlan Capital Group
  • Real Estate Appraisal
  • Refinance with Cash Out
  • Underwriting Process
• 0 Replies

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