Stale Listing? Pitch a Cash-Out Refi and Earn Referral Income

Got an investment listing that just won’t move? Instead of watching your client get antsy and talk about pulling it off the market, you can pitch them a cash-out refinance at up to 75% of value — they get liquidity, you keep the listing, and there is a way for you to make money on the file too.

Prefer the dedicated watch page: Watch the video.

The problem: an investment listing that isn’t moving

Every agent who works with investors has one of these right now — a rental or flip that has been sitting for weeks with no offers. The client is starting to ask hard questions: should we cut the price, take it off the market, or just wait it out?

None of those options are great. A price cut leaves money on the table. Delisting kills your momentum and resets days-on-market when you relist. And waiting does nothing for a client whose equity is frozen while other deals pass them by.

There is a fourth option, and it does not require touching the listing at all.

The pitch: refinance up to 75% of value, stay listed

The play from the video is straightforward. Jaken Finance Group can refinance the property for up to 75% of the current value — meaning the after-repair value — while it stays listed the entire time. No canceling the MLS listing, no restarting the clock.

The sequence:

1. Your client’s property stays listed at the price you set — nothing changes on the marketing side
2. Jaken Finance Group appraises the property and funds a refinance at up to 75% of value
3. Your client gets the cash-out proceeds to redeploy while the sale process keeps running
4. Closing timeline runs about two weeks, so the equity gets to work fast
5. When the property eventually sells, the payoff comes out of the sale proceeds — the listing was never interrupted

That two-week turnaround matters. This isn’t a 45-day conventional refinance that ties up the file for a month and a half — it’s built to move at the speed a stale listing actually needs.

No harm, no foul if a buyer shows up mid-process

Agents worry about locking a client into a refinance right as a buyer finally comes along. The video addresses that directly: if the property goes under contract while the refinance is still processing, there’s no penalty. The refi simply stops — no fees, no obligation, no harm done.

That flexibility is the whole point. You are not asking your client to choose between selling and refinancing. You are giving them a parallel path that only closes if the sale doesn’t beat it to the finish line first.

Why this works for you as the agent

• You keep the listing. Nothing about the refinance requires delisting or restarting days-on-market.
• Your client stays patient instead of panicking. Liquidity now means less pressure to slash the price just to free up cash.
• You can earn on the file, too. Jaken Finance Group’s referral partner program is built for agents who bring us deals like this — a standing relationship instead of a one-off favor.
• The relationship compounds. Solving a client’s cash problem without touching their listing is the kind of move that earns repeat business.

On the compensation piece: business-purpose investment loans sit outside RESPA’s restrictions on consumer mortgage referral fees, but the details vary by state and brokerage. Confirm anything involving compensation with your broker and compliance before you accept a fee — then join referral partner so the next stale listing doesn’t start the conversation from zero.

Bridge vs. DSCR — which refinance fits

Whether this runs as a short-term bridge or converts to a long-term hold depends on what your client actually wants to do with the property:

	Cash-out bridge (staying listed)	DSCR refinance
Best when	Client still intends to sell	Client decides to hold as a rental
Term	Short — built around the sale timeline	30-year fixed or ARM
Underwritten on	Appraised value + exit plan	Property cash flow (DSCR)
Typical proceeds	Up to 75% of value	Often ~75% on cash-out

If your client is committed to selling, the short-term bridge keeps things simple. If the slow market changes their mind and they decide to hold, a DSCR loan converts the same equity into permanent financing. For a fix-and-flip specifically stuck on a maturing hard money loan, see our companion piece on refinancing a listed fix-and-flip with a cash-out bridge.

What we need to underwrite the file

To size the cash-out, bring us:

• The active listing agreement and current days on market — the product is built for listed property, so this is expected
• A recent appraisal or comps supporting the 75% target
• Payoff on any existing loan against the property
• Entity documentation — the property must be a non-owner-occupied investment asset
• The exit plan — realistic list price relative to comps, since proceeds are sized off appraised value, not the asking price

How to bring this to your client this week

1. Flag the stale listing — anything sitting well past your market’s typical days-on-market for that property type
2. Introduce the option before your client brings up a price cut: “There’s a way to pull cash out of this without taking it off the market.”
3. Get a same-week read — send the address, appraised or estimated value, and current list price
4. Submit the file once your client is ready to move
5. Join referral partner so you have a standing contact instead of rediscovering this the next time a listing stalls
6. Call (833) 264-7776 if you want to talk through whether a specific listing qualifies

In this video

• 0:00 — A message for realtors with long, stuck listings
• 0:06 — Refinance up to 75% of value (after-repair value)
• 0:12 — Property stays listed for about two weeks while it closes
• 0:20 — Client gets equity, still happy, agent keeps the listing
• 0:26 — Eventually the property sells and pays off the refinance
• 0:30 — No harm, no foul if it goes under contract mid-process
• 0:38 — A lot of stuck-listing investors have used this already

Full transcript

Hey realtors, if you have investment properties listed and they’re not moving, here’s something you could pitch to your clients and even make some money yourself. Your client can refinance up to 75% of the current value, meaning the after repair value, while keeping the property listed in about 2 weeks, right? So you could get that equity, your client’s still happy, you get to keep the listing, and eventually the property sells, and then they pay us off. And if they get under contract while we’re in the process, no worries, there’s no harm, no foul. We are finding that this is a product that a lot of investors who are waiting for their listings to sell have been into, and so I’m just spreading the word. Let us know if we can help, give us a call if you have questions.

Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access. All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.

Stale Listing? Pitch a Cash-Out Refi and Earn Referral Income — next step (2026)

Qualified non-owner-occupied files run 8.99%–13.5% IO bridge and 5.75%–10.5% DSCR when the exit and comps are documented at submission.

Submit scenario · Pre-qualify · Join referral partner · (833) 264-7776.