Most cash-out refinances only go to 80% loan-t0-value, and typical appraisers do not give enough value for ADUs to get your invested cash back. Problem solved! We have a cash-out refinance for ADU properties that goes up to 95% LTV! And we're the only back with ADU-trained appraisers. o let's get your cash back, HELOC paid off, and one mortgage with the lowest rate and tax deductibility.