Understanding Delayed Financing and How Tulender Can Help You
Are you an investor or someone planning to purchase a home in cash? If so, you might be wondering how to keep your money working for you even after you’ve closed the deal. That’s where Delayed Financing comes in—and at TuLender, we’re here to guide you through it.
9/17/20252 min read
So, what exactly is Delayed Financing?
Delayed Financing happens when you purchase a property with cash, without using a mortgage at the time of closing, and then later refinance that property to get most (or all) of your money back. In other words, you can close quickly with cash to win the deal, and then shortly after, recover your funds through a cash-out refinance.
Buying a home with cash comes with powerful advantages. Sellers love cash offers because they’re simple, fast, and reliable. You don’t have to worry about financing delays, appraisals slowing things down, or loan approvals falling through. Your offer becomes much stronger compared to buyers who rely on traditional mortgages.
But after making a big cash purchase, you may find yourself short on liquidity. That’s where Delayed Financing becomes your best friend. It allows you to tap into the equity you just created by paying cash, so you can use that money for other opportunities—whether that’s paying off debt, renovating the property, or investing in your next project.
Think of it this way: you get all the advantages of being a cash buyer and the flexibility of having financing afterward. That’s why Delayed Financing is a favorite strategy for real estate investors.
Eligibility and requirements
Fannie Mae sets clear guidelines for Delayed Financing. To qualify, you need to have purchased the property within the last six months in an arms-length transaction, with the purchase documented on a settlement statement. The property must also be free of any existing liens at the time of refinance. Loan-to-value (LTV) ratios depend on the property type: up to 80% for primary residences and up to 75% for second homes or investment properties.
Why choose TuLender?
At TuLender, we specialize in helping clients like you maximize your real estate opportunities. Whether you’re an investor looking to scale quickly or a homeowner who doesn’t want all your capital tied up in one property, Delayed Financing gives you both speed and flexibility. Our team makes the process simple, so you can focus on your next move with confidence.
If you’re considering paying cash for your next property, but still want the option to unlock your money afterward, Delayed Financing might be the right solution for you. Reach out to TuLender today, and let’s explore how this strategy can work in your favor.