Investor HELOC & Standalone 2nd Liens

HELOC on Investment Property — Up to $1,000,000 Without Refinancing

Tap the equity in your rental property with a standalone second lien or HELOC. Your low-rate first mortgage stays exactly where it is. No tax returns — qualify with DSCR rental cash flow or 12 months of bank statements, with zero origination fees and zero broker fees.

  • $50,000 – $1,000,000 second liens
  • Up to 75% CLTV on rentals
  • 5-year interest-only draw
  • Desktop AVM to $400,000
Estimate your line

How an investment property HELOC works here

Access rental-property equity with a Non-QM standalone second lien—without refinancing or changing your existing first mortgage.

A 5-year interest-only draw keeps payments lower while you use funds for a purchase, renovation, or reserves. The balance then amortizes over 25 years.

Qualify through rental cash flow with DSCR or 12 months of bank statements. Minimums start at 1.10x DSCR with 720 FICO, or 700 FICO and up to 50% DTI.

Eligibility at a glance

Eligible rental collateral

SFR, PUD, townhomes, condos, non-warrantable condos, and 2–4 unit multi-family. Rural acreage to 10 acres. LLC vesting allowed.

Two qualifying tracks

DSCR at 1.10x minimum coverage with 720+ FICO, or 12-month personal/business bank statements with a 50% DTI cap and 700+ FICO.

5-year interest-only draw

Interest-only for the first five years, 25-year amortization after, 30-year total maturity — sized from $50,000 to $1,000,000.

Fast valuation

Desktop AVM up to $400,000 cash-out with no full appraisal, and zero ownership seasoning on investor files.

Estimate your investment property HELOC

Enter your rental property value, first-lien balance and credit tier. The calculator applies the live investor guideline matrix and shows your interest-only draw payment.

Investment property (non-owner-occupied)
$600,000
$250,000

Current 1st lien CLTV: 42%

$480,000
50%

50% is standard for business accounts. Use 0% for personal accounts.

$1,200

Auto loans, credit cards, student loans, and your existing 1st mortgage payment.

Estimated standalone 2nd lien

$200,000

Max permissible CLTV

75%

Interest-only payment

$1,646/mo

Qualifying income

$20,000/mo

Debt-to-income

14%

Eligible for Desktop AVM (skip full appraisal)

Payment shown at a 9.875% placeholder rate. 5-Year Interest-Only Draw / 30-Year Maturity / 25-Year Amortization. 75% CLTV — Investor bank statement, 720+ FICO, loan ≤ $500k.

  • Automated valuation (AVM) available — no full appraisal required.

Loan sizes $50,000 – $1,000,000 · $0 origination & broker fees

Estimates only, based on the published guideline matrix and a placeholder interest-only rate. Final terms depend on FICO, CLTV, valuation, and index pricing. Not a commitment to lend. Proprietary qualification model — output is for your own scenario only and may not be reproduced or redistributed.

Investment property HELOC questions

Ready to size your rental equity line?

New to this structure? Start with the Investor Academy or see the full program overview.