Investor scenario library

Illustrative equity scenarios for rental investors

Explore how investors might think about available equity across common property types. Every example below uses hypothetical numbers—programs, terms, and eligibility are subject to approval.

All scenarios on this page are illustrative examples for educational purposes only. Property values, loan balances, equity estimates, and potential line ranges are hypothetical and not based on any actual borrower, property, or transaction. They do not constitute an offer, commitment to lend, guarantee of terms, or financial advice. Actual amounts depend on appraisal, credit, income or cash-flow review, lien position, occupancy, and lender guidelines.

Accessing equity from a rental

Illustrative

Single-family rental

A stabilized long-term rental with meaningful equity behind the first lien—typical of investors who want revolving access rather than a full refinance.

Property value: $485,000
Existing loan: $312,400
Estimated equity: $172,600
Illustrative HELOC range: $2,850–$27,100 illustrative

Potential use case

Draw selectively for reserves, maintenance, or a value-add scope without replacing the existing first mortgage.

~70% CLTV illustrative · Not an offer or approval amount

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Using equity for a down payment

Illustrative

Townhome rental

Investors often tap non-owner-occupied equity to fund the next purchase without selling a cash-flowing asset.

Property value: $395,000
Existing loan: $248,000
Estimated equity: $147,000
Illustrative HELOC range: $8,750–$28,500 illustrative

Potential use case

Bridge down payment and closing costs on the next acquisition while permanent financing is lined up.

~70% CLTV illustrative · Not an offer or approval amount

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BRRRR investor example

Illustrative

Single-family rental (value-add)

Illustrative buy-rehab-rent-refinance path where a second-position line supports renovation before permanent exit.

Property value: $320,000
Existing loan: $256,000
Estimated equity: $64,000
Illustrative HELOC range: Insufficient equity for illustrative range

Potential use case

Finance rehab draws during the hold period, then recycle capital after stabilization or refinance.

~70% CLTV illustrative · Not an offer or approval amount

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Condo investor example

Illustrative

Condo · non-owner-occupied

Condos may qualify under investor programs when occupancy, HOA, and lender guidelines align—subject to approval.

Property value: $275,000
Existing loan: $178,500
Estimated equity: $96,500
Illustrative HELOC range: $250–$14,000 illustrative

Potential use case

Maintain liquidity for HOA assessments, turnover costs, or a down payment on a second condo unit.

~70% CLTV illustrative · Not an offer or approval amount

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Duplex example

Illustrative

Duplex · 2-unit rental

Two-unit collateral with rental income from both sides—often reviewed with combined loan-to-value and cash-flow documentation.

Property value: $520,000
Existing loan: $341,000
Estimated equity: $179,000
Illustrative HELOC range: $0–$23,000 illustrative

Potential use case

Fund unit turnover, roof reserves, or acquisition earnest money across a small multi-family portfolio.

~70% CLTV illustrative · Not an offer or approval amount

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4-plex example

Illustrative

Fourplex · 4-unit rental

Small multifamily investors may explore second-position lines when equity and rental performance support the file.

Property value: $780,000
Existing loan: $512,000
Estimated equity: $268,000
Illustrative HELOC range: $0–$34,000 illustrative

Potential use case

Access equity for portfolio reserves, a value-add scope on one unit, or bridge capital for a larger multifamily deal.

~70% CLTV illustrative · Not an offer or approval amount

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Programs may be available for qualifying properties, subject to approval, property eligibility, and lender guidelines. Not a commitment to lend.

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