HELOC for your investment property!!
Not just your primary!!! GAME CHANGER
🏡 HELOCs for Investment Properties… Who Knew?
By Travise Smith | Mortgage Broker | Real Estate Pro
Most people think HELOCs (Home Equity Lines of Credit) are only for primary residences.
But here's a little-known gem: You can tap into the equity on your investment property too—and it can be a game-changer for smart investors.
Let’s break it down 👇
Why Use a HELOC on an Investment Property?
✅ Access to Capital—Without Selling
Need cash for a renovation? Another down payment? College tuition? A tenant just skipped? Instead of selling or refinancing, you can pull from the equity you’ve already built—and still keep the asset.
✅ Quick Close, Less Red Tape
Many HELOCs close in as little as 14 days—especially if the property is already income-producing. Compared to a cash-out refinance, there’s often less paperwork, no new long-term interest rate, and no need to touch your primary mortgage.
✅ Interest-Only & Pay-As-You-Go
You only pay on what you borrow. That means flexibility, especially if you're using the HELOC as a reserve fund “just in case.”
✅ Tax Deductible? Maybe.
If you use the HELOC for improvements on that same investment property, the interest may be tax deductible. Always check with your CPA, but it's a potential win.
But Wait—What’s the Catch?
💡 Not all lenders offer HELOCs on investment properties—but I do.
🧾 You’ll likely need a higher credit score, and equity usually must be at least 25–30%.
💸 Rates are often a little higher than primary residence HELOCs—but still much lower than hard money loans.
Bottom Line:
A HELOC on your rental or investment property might be the secret financial tool you didn’t know you had. Whether you're a first-time landlord or a seasoned investor, equity is your superpower—and it's time to make it work for you.
💥 Close in as little as 14 days.
📩 Send me a message or drop your email.
Let’s make your real estate work harder.