Carl
Level 15

Investors & landlords

Technically and legally speaking, if you received even $1 at the refi closing, you had a cash out.  If the amount you received was less than 1% of the total refi amount, I wouldn't worry about it.  If more than 1%, but less than 5%, then it would depend on a few factors if I would bother separating it out or not.

What was the total amount of the refi loan as shown on the lender's statement? That is, the total amount the bank loaned you. Not the total amount you owe.