I have a 4 unit with a $460k mortgage at 3% that's worth now $800k. Wondering if there are DSCR options for 2nd mortgages where can pull out for example just $100k without refinancing the first mortgage? I see fixed rate HELOCS but seem to max out at 20 years?

Not looking to do this just yet but likely next year and want to gather my options. Hoping to use this strategy to get more capital to help scale into some larger rehab projects.