Methods and apparatus for facilitating the refinancing of real estate loans are disclosed. In some embodiments, a loan-to-value ratio is calculated. Responsive to the loan-to-value ratio being greater than a allowed loan-to-value threshold in a refinancing of the real estate loan, a value of paydown capital required to create a refinance loan-to-value ratio for a refinance loan that is less than or equal to the allowed loan-to-value threshold is calculated. Paydown capital equal to the value of paydown capital required to create the refinance loan-to-value ratio less than or equal to the allowed loan-to-value threshold is provided under revenue-capital repayment terms. In some embodiments, the loan-to-value ratio includes a function of a balance owed on a real estate loan, and a re-appraised property value of a property associated with the real estate loan.