I've noticed an interesting trend lately.

Instead of selling properties to cash out their equity, many investors are choosing to refinance and keep their assets.

For investors with solid rental properties, refinancing can potentially:

• Access equity without selling
• Continue benefiting from appreciation
• Maintain monthly cash flow
• Avoid the time and expense of finding a replacement property
• Reinvest capital into the next deal

Of course, refinancing isn't always the right answer.

The numbers still have to work.

Closing costs, loan terms, cash flow, debt service, and your long-term investment strategy all matter. Many experienced investors emphasize calculating the true break-even point and ensuring the refinance improves the property's overall performance—not just the monthly payment.

I'm curious how everyone here is approaching it.

If you have a property with significant equity, would you:

• Refinance and buy another investment?
• Sell and complete a 1031 Exchange?
• Hold and wait?
• Leave the existing financing alone?

What factors are driving your decision in today's market?

We've recently put together an article discussing why more investors are choosing refinancing over selling, along with situations where refinancing may—or may not—make sense.

https://jcreigcapitalfunding.com/why-smart-investors-are-refinancing-instead-of-selling/

I'd be interested to hear how other investors are evaluating this decision in 2026.