Investment property equity
Investment property HELOC options for investors
An investment property HELOC is a revolving line secured by non-owner-occupied real estate—single-family rentals, small multifamily, and other investor collateral when programs may be available, subject to approval. Compare home equity options for primary residences, second homes, and investment properties with guidance from licensed financing specialists and lending partners.
- Non-owner-occupied underwriting focus
- Revolving capital for portfolio growth
- Investor-specialist guidance
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.
What is an investment property HELOC?
Unlike owner-occupied HELOCs, investment property lines are underwritten for rental or non-owner-occupied use. Lenders review property type, estimated value, liens, rents or cash flow, credit, and documentation path.
Proceeds may support acquisitions, renovations, reserves, or debt repositioning—subject to program use-of-funds rules and investor guidelines.
Who investment property HELOCs may fit
- Landlords with stabilized rentals and meaningful equity
- Investors scaling from one property to a portfolio
- Borrowers preserving a favorable first mortgage on the asset
- Self-employed investors exploring alternative documentation on select programs
Investor use cases
Acquire the next rental
Use equity for down payment, closing costs, or carry reserves.
Renovate for rent growth
Fund value-add work between lease turns.
Portfolio liquidity
Maintain revolving capacity across multiple assets.
Bridge timing gaps
Cover short-term needs between closings or refis.
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 the investor review works
- 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.
Second-position HELOC on investment property
Many investors add a HELOC behind an existing first mortgage to avoid resetting a low rate. Combined LTV, lien position, and rent coverage are key underwriting factors—subject to approval.
Not every investment property or borrower will qualify. Property condition, occupancy, and entity vesting may affect available programs.
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.
How much equity do I need for a HELOC?
Combined loan-to-value (CLTV) limits vary by occupancy, property type, credit, and program. Many files require meaningful equity after existing liens—often leaving 10–20% or more equity in the property, but limits are lender-specific and subject to approval.
Is an investment property HELOC different from a rental HELOC?
Terms vary by lender, but both generally refer to non-owner-occupied collateral. Property type, unit count, and documentation requirements differ from primary-residence products.
Does this guarantee investor approval?
No. Programs may be available for qualifying properties, subject to approval, property eligibility, credit, income, and lender guidelines. Not 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.
Programs may be available for qualifying properties, subject to approval, property eligibility, and lender guidelines. Not a commitment to lend.