Get your LLC HELOC scenario reviewed
Tell us about the property and the equity you’re after — we’ll tell you what’s available, usually the same day. No full application to start.
What is an LLC HELOC?
An LLC HELOC is a home equity line of credit on a rental property held in the name of your LLC. It lets you borrow against the equity you’ve built — and draw on it as you need it — without refinancing your first mortgage.
That last part is the whole point. If you locked a low rate on your rental’s first mortgage, a cash-out refinance would trade that rate away just to access equity. An LLC HELOC leaves your first mortgage exactly where it is and gives you a flexible line on top of it — so your equity is available for the next down payment, a rehab, or reserves.
Guidelines vary by lender and property, and LLC HELOCs are for investment (non-owner-occupied) properties. Send us the property and what you’re trying to do, and we’ll review what’s available for your scenario.
Why investors choose LLC HELOCs
Keep Your First-Mortgage Rate
Access your equity without refinancing the low rate you already locked on your first mortgage.
Close in Your LLC
Draw on equity held in the name of your LLC, keeping your investments organized. Ask us how.
Fuel the Next Deal
Turn trapped equity into your next down payment, rehab budget, or reserves.
Investor-Focused
Built for rental and investment portfolios, not owner-occupied homes. Investment properties only.
LLC HELOC basics
A Line of Credit
Draw what you need, when you need it, up to your available line — and pay interest on what you use. Subject to guidelines.
Based on Your Equity
Availability depends on the property’s value and your current mortgage balance. Subject to appraisal and underwriting.
Portfolio-Friendly
A flexible tool for investors scaling multiple rentals. Subject to credit and underwriting.
We Check Your Options
Program availability varies by lender and property — send the property and we’ll review.
Sitting on equity you can’t use?
Send us the details and we'll tell you what's possible — usually the same day. All loans subject to credit and underwriting approval.
Send My ScenarioCommon questions
What is an LLC HELOC?
It’s a home equity line of credit secured by a rental property held in your LLC. It lets you borrow against the property’s equity without refinancing your first mortgage.
Can I keep my existing first mortgage?
Yes — that’s the main advantage. An LLC HELOC sits behind your first mortgage, so you don’t have to refinance and give up your current rate to access equity.
Can the property be held in my LLC?
Yes. LLC HELOCs are designed for investment properties held in the name of an LLC, which helps keep your investments organized and separate.
What can I use the funds for?
Most investors use the funds for the next down payment, renovations, or reserves — but it’s a flexible line, so it’s your call.
Are these available on any rental?
Availability and terms vary by lender, property, and how much equity you have. Send us the property and we’ll tell you what’s possible.
Want to put your equity to work?
Send us the property and what you’re after, and we’ll tell you what’s available. All loans subject to credit and underwriting approval.