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Updated almost 6 years ago on . Most recent reply

Dan Warner's profile image
Dan Warner's profile image
Dan Warner
  • from Forney, Texas
  • Member since Jun 13, 2018
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Dan Warner's profile image
Dan Warner's profile image
Dan Warner
  • from Forney, Texas
  • Member since Jun 13, 2018
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Dan Warner
  • Forney, TX
3
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4
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Private Lending & Conventional Mortgage Advice

HELOC in Texas for Investment Property

Dan Warner
  • Forney, TX
Posted

Can anyone tell me if you can use a HELOC to purchase an investment property in Texas?

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Michael S.'s profile image
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Michael S.
  • from Dallas, Texas
  • Member since Dec 25, 2014
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Michael S.'s profile image
Michael S.'s profile image
Michael S.
  • from Dallas, Texas
  • Member since Dec 25, 2014
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Michael S.
  • Dallas, TX
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Michael S.
  • Dallas, TX
Replied

I believe they are allowed. The restrictions Texas has on cash-out refinances and HELOCs are for primary residences. Presumably because of the restrictions, it seems many institutions do not have that kind of product available in Texas. From my understanding you have to talk to the right commercial lender in order to get a line of credit secured by a cash-flow property. That said, from my experience I haven't seen any willing to take a 2nd position.

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https://www.biggerpockets.com/forums/585/topics/555448-non-owner-occupied-helocs-in-texas

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