Clients who own investment real estate have a tax-free way to borrow money. Real estate is one of the best assets to borrow against. Investors use our commercial bankers to cash-out refinance property on a regular basis. Using your own funds tax-free is a great way to increase a real estate portfolio. I have been using this strategy for years, acquiring homes as a result of foreclosure then cash-out refinancing after the property is rented. Essentially, my initial cash is being used for all future purchases. The key to this process is TO BUY RIGHT!