Portfolio growth
Use rental property equity to buy another property
Experienced investors often recycle equity from an existing rental into down payment, closing costs, or reserves for the next acquisition—commonly through a HELOC or home equity line on the rental collateral. Compare home equity options for primary residences, second homes, and investment properties with guidance from licensed financing specialists and lending partners.
- Acquisition-focused investor path
- Revolving access between deals
- Subject to approval and reserves requirements
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 rental equity funds the next deal
A HELOC on a stabilized rental may provide proceeds you deploy toward another purchase. Lenders review both the collateral property and your overall profile—including reserves, credit, and the new deal's structure.
This strategy does not guarantee approval on either the line or the purchase loan. Each file is underwritten separately—subject to program guidelines.
Investor scenarios
- Landlords with strong equity in property #1 funding property #2
- Investors bridging between BRRRR-style steps
- Owners who want to move quickly when a deal appears
- Portfolio builders using equity instead of liquidating assets
Common capital uses
Down payment
Deploy line proceeds toward the next property's equity requirement.
Closing costs
Cover title, escrow, and lender fees at acquisition.
Post-close reserves
Maintain liquidity after closing—subject to lender reserve rules.
Light value-add before rent
Fund quick renovations on the new asset after purchase.
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.
Plan your equity recycle
- 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 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 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.
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.
Can I use primary-residence equity to buy a rental?
Some investors use owner-occupied equity for investment purchases. Use of funds and occupancy rules differ by program—disclose intent during review.
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.