Can I get a HELOC on an investment property?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes, though fewer lenders offer them and terms are tighter — expect a lower loan-to-value cap (often 70% to 75%) and a higher rate than a HELOC on a primary residence.
It's a useful way to pull equity from one rental to fund the next. We work with lenders that offer investment-property HELOCs and will find the best available terms.
Yes, but tighter
Yes, you can get a HELOC on an investment property, though fewer lenders offer them and the terms are stricter. Expect a lower borrowing limit and a higher rate than on a primary home.
Lenders usually let you access less of the equity, often up to 70% to 75% of value.
Why investors use it
A rental HELOC lets you tap equity to fund the next purchase or improvements without selling. It is a flexible tool for growing a portfolio.
We have lenders who offer investment-property HELOCs. Apply now and we will find your best option.