Rental property
HELOC on a rental property
Landlords with equity in a rental home, condo, or small multifamily building may explore revolving HELOC programs—distinct from primary-residence lines and subject to investor underwriting. Compare home equity options for primary residences, second homes, and investment properties with guidance from licensed financing specialists and lending partners.
- Built for landlord collateral
- Second-lien options may preserve first rate
- Quick review—about 60 seconds
Licensed guidance · ~60 seconds · No obligation.
Programs may be available, subject to approval. Licensed lending partner guidance available—this page is educational, not financial advice or a commitment to lend.
Investor financing with real human guidance
Financing specialist review · Multiple financing paths · ~60 seconds
Licensed guidance · ~60 seconds · No obligation.
Programs may be available for qualifying rental properties, subject to approval. Not a commitment to lend. Terms and eligibility vary. State availability varies.
How a rental property HELOC works
A HELOC on rental property is secured by non-owner-occupied real estate. You may draw during the draw period and repay to restore capacity—when approved and subject to program terms.
Underwriting typically considers appraised value, existing mortgage balance, property type, rental income or market rents, credit, and state availability.
Landlord profiles that may qualify
- Single-family rental owners with strong equity
- Investors with long-term hold strategies
- Owners who want flexibility without cash-out refi
- Portfolio builders funding the next acquisition
Why landlords use rental HELOCs
Down payment for property #2+
Recycle equity into the next deal—subject to approval.
Turnover and capex
Fund repairs, appliances, or cosmetic updates between tenants.
Reserve fund
Cover vacancy, insurance deductibles, or rate-lock deposits.
Rate arbitrage
Keep a low first mortgage; add second-lien liquidity.
Investor financing with real human guidance
Financing specialist review · Multiple financing paths · ~60 seconds
Licensed guidance · ~60 seconds · No obligation.
Programs may be available for qualifying rental properties, subject to approval. Not a commitment to lend. Terms and eligibility vary. State availability varies.
Start a rental HELOC review
- 1
Tell Us About Your Property
Share your rental address in about 60 seconds.
- 2
Tell Us How Much You'd Like To Access
Pick the equity range that fits your goals.
- 3
Review Your Options
See paths that may fit—subject to approval and review.
- 4
Talk With A Financing Specialist
Get personalized guidance on your next move.
Frequently asked questions
Clear answers about HELOC and home equity options—primary residences, rentals, and second homes.
Can I get a HELOC on a rental property?
Yes—revolving HELOC programs on non-owner-occupied rental collateral may be available for qualifying investors, subject to approval, property type, equity, credit, and state-specific lender guidelines. Rental HELOCs are underwritten differently than primary-residence lines.
Can I use a HELOC to buy another property?
Investors and homeowners sometimes use HELOC proceeds for down payments, closing costs, or reserves on a next property. Use of funds must align with program rules and your overall financial profile—subject to approval and lender guidelines.
Can I get a HELOC if the rental is in an LLC?
Entity vesting may be allowed on certain investor programs. Guarantee and documentation requirements vary—subject to approval.
Do I need tax returns for a rental HELOC?
Documentation paths vary. Some programs may allow bank statements or asset-based qualification on select files—subject to approval.
Investor financing with real human guidance
Financing specialist review · Multiple financing paths · ~60 seconds
Licensed guidance · ~60 seconds · No obligation.
Programs may be available for qualifying rental properties, subject to approval. Not a commitment to lend. Terms and eligibility vary. State availability varies.
Programs may be available for qualifying properties, subject to approval, property eligibility, and lender guidelines. Not a commitment to lend.