Capital Solutions · Investment Property HELOC
HELOC on Investment Property: Unlock Your Rental Equity
Real estate investors and LLC owners can turn equity in eligible rental and commercial properties into a revolving business credit line of $25,000 to $750,000 — placed behind your existing first mortgage, so your current rate stays intact. Pre-qualify in minutes with no hard credit pull.
Pre-Qualify My BusinessInvestment property HELOC uses and qualification factors
Common Uses for Investors
- Acquire additional rental properties
- Renovations and value-add improvements
- Portfolio working capital and reserves
- Draw only what you need, when you need it
What Partners Typically Review
- Available equity in the investment property (LTV)
- Property type, condition and rental income
- Business purpose of the funds
- Overall credit and business profile
Frequently Asked Questions
Can I get a HELOC on an investment property?
Yes. Participating lending partners offer business-purpose HELOCs secured by non-owner-occupied residential and commercial investment properties. Because the funds are used for business purposes, different qualification standards apply than for a primary-residence HELOC.
Does a HELOC on a rental property affect my first mortgage?
No. The business HELOC is placed as a second lien behind your existing first mortgage, so your current first-mortgage rate and terms stay intact.
Will checking my options hurt my credit score?
No. Initial pre-qualification uses a soft review only — there is no hard credit pull to see your available options. Final approval and terms are determined by the participating lending partner.
What can I use the funds for?
Common uses include acquiring additional rental properties, renovations and value-add improvements, portfolio working capital, and other business purposes. Funds must be used for business, not personal, purposes.
See your available programs in 60 seconds
No hard credit pull for initial pre-qualification. All approvals are made by participating lending partners.
Continue to Pre-QualificationProperty held in an LLC? Read the HELOC for LLC-owned property checklist.