Investment property equity
HELOC on investment property for landlords
When collateral is non-owner-occupied, documentation and line structure often differ from consumer HELOCs. See what revolving options may be available for your investment property—subject to approval. Compare home equity options for primary residences, second homes, and investment properties with guidance from licensed financing specialists and lending partners.
- Built for rental and investment property collateral
- May sit in second position behind an existing first mortgage
- Strategy-focused review with a financing specialist
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 a HELOC on an investment property?
A HELOC on an investment property is revolving credit secured by real estate that is not your primary residence. Lenders typically review rental income or cash flow, equity, credit, lien position, and property condition against investor guidelines.
Programs may be available for single-family rentals, small multifamily, condos, and other non-owner-occupied types—subject to property eligibility and state availability.
Who this may fit
- Landlords with one or more investment properties and usable equity
- Investors who prefer revolving capacity over a one-time cash-out refinance
- Borrowers with LLC or entity ownership structures accepted by the program
- Owners exploring bank-statement or alternative doc paths on select lenders
Why investors use investment-property HELOCs
Acquisition bridge
Access equity for earnest money, down payment, or gap funding while longer-term financing is arranged.
Renovation draws
Fund light or heavy value-add work without selling the asset or resetting the entire first mortgage.
Operating flexibility
Cover turnover, capex, or short vacancies from a revolving line rather than liquidating other assets.
Rate arbitrage
Keep a low fixed first rate and tap equity through a separate line when spreads make sense—terms vary.
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 review process 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 lien on investment collateral
A HELOC often registers behind an existing first mortgage. Combined loan-to-value, payment reserves, and property cash flow may all factor into approval—guidelines vary by investor and state.
This site provides educational information and a path to review options; it is not a commitment to lend or an offer of credit.
Frequently asked questions
Clear answers about HELOC and home equity options—primary residences, rentals, and second homes.
Can I get a HELOC if the property is in an LLC?
Some programs may allow entity vesting or require personal guarantees. Structure and documentation requirements vary and are subject to approval.
Does a short-term rental qualify?
STR and long-term rental properties may be considered on select programs. Property type, seasonality, and lender guidelines determine eligibility.
Will this replace my first mortgage?
Not necessarily. Many investors add a HELOC in second position to preserve an existing first loan. Available structures depend on equity and program guidelines.
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.