Access Equity in Your Rental Property
Explore first- or second-position HELOC options for eligible investment properties, with flexible documentation options for qualifying investors. A second-position HELOC may allow you to keep your existing first mortgage.
*Program availability, maximum CLTV, documentation requirements, rates, terms, and approval vary by borrower and property. This is not a commitment to lend.
Equity You Can Use
Built for Real Estate Investors
Investment-property HELOCs can be difficult to find through traditional lenders. We offer options designed for non-owner-occupied properties.
First or Second Position
Tap your investment property's equity with a HELOC in first or second lien position — keep your existing financing or pay it off, your choice.
Flexible Documentation Options
Choose your qualifying path: bank statements, 1 year of tax returns, or full documentation. Flexible options built for self-employed and full-time investors.
Draw When You Need It
A revolving credit line means you only pay interest on what you use. Reuse the line as you repay — perfect for flips, down payments, and renovations.
Investor-Friendly Underwriting
Designed for landlords and investors. We understand rental income, market rent, and portfolio strategy — no residential lender pushback.
First or Second Position — Your Choice
Structure the HELOC the way that fits your strategy.
Pay Off Your Existing Mortgage
- Replaces your current mortgage entirely
- Best when current rate is high or loan is small
- Higher available credit limit
- Single lien on the property
Keep Your Existing Mortgage
- Sits behind your current first mortgage
- Keep a low fixed rate you already have
- Faster, lower-cost closing
- Access equity without restarting your loan
How It Works
Three simple steps to your credit line.
Submit Your Info
Fill out the form below with your property and equity details. Takes about 2 minutes.
Quick Strategy Call
We review your portfolio, confirm position (first or second), and structure the line to fit your goals.
Close & Draw
Get approved, close fast, and access your revolving credit line whenever opportunity knocks.
Ready to Access Your Equity?
Submit your info and Andrew Rysta will personally reach out to explore your investment property HELOC options — first or second position, with flexible documentation options.
HELOC FAQs
Common questions from investors.
Yes. We offer HELOCs on non-owner-occupied investment properties including single-family rentals, multi-family, and mixed-use — in either first or second lien position.
A first-position HELOC replaces any existing mortgage on the property. A second-position HELOC sits behind your current mortgage, letting you keep your existing rate while still accessing equity.
We offer three qualifying paths: bank statements, 1 year of tax returns, or full documentation. Pick whichever fits your situation — perfect for self-employed investors and full-time landlords.
Typical max combined loan-to-value (CLTV) is 70–75% of the property's current value, less any existing mortgage balance for second-position lines. We'll confirm your available equity on the strategy call.