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A no cash-out refinance is when a person refinances their home for less than or the same amount they still owe on their current mortgage's principal, plus the closing costs on the new mortgage. Unlike cash-out refinances, these do not offer a cash benefit.

Cashing out can be tempting because it lets you lock in a profit or mitigate your losses. Unfortunately cashing out your bet also has a negative ROI over the long run. Sportsbooks understand their customers can get trigger happy, so they make sure those early cash outs are much lower than they should be.