Unlock Your Rental Property Equity with a DSCR-Only HELOC

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Unlock Your Rental Property Equity with a DSCR-Only HELOC

Erik EstradaBusiness Member
Lender · Member since 2022 · 6k+ posts · 1k+ votes

Have equity tied up in your investment properties?

Instead of selling or completing a full refinance, consider a DSCR Home Equity Line of Credit (HELOC) designed specifically for real estate investors.

Whether you're purchasing another rental, funding a renovation, covering capital expenditures, or simply creating liquidity for future opportunities, this program lets you access your equity while keeping your current first mortgage in place.

Program Highlights

✔ Investment Properties Only (DSCR Option)

✔ Stand-Alone HELOC

✔ Line Amounts:

  • $75,000 to $750,000

✔ Available on:

  • Single Family Residences
  • PUDs
  • Warrantable Condos
  • 2–4 Unit Properties

✔ Minimum DSCR: 1.00

✔ No Reserves Required

✔ No Prepayment Penalty

✔ Primary, Second Homes & Investment Properties Eligible (DSCR qualification available for investment properties only)

✔ Initial Draw of up to 95% of the approved line amount at closing

✔ 20- or 30-Year HELOC Terms with Interest-Only Payment Options During the Draw Period

Why Investors Like This Program

  • Keep your low first mortgage intact.
  • Access equity without a full refinance.
  • Use funds for your next acquisition, renovations, reserves, or business expenses.
  • Investor-focused underwriting using property cash flow (DSCR).
  • Flexible documentation options depending on your scenario.

Eligible Uses

  • Purchase your next investment property
  • Renovate existing rentals
  • BRRRR strategy
  • Increase working capital
  • Fund repairs or value-add improvements
  • Build cash reserves for future opportunities

If you're unsure whether your property qualifies, I'm happy to review your scenario and discuss available options.

⭐ At Luxe Private Investments LLC, we specialize in financing solutions for real estate investors and pride ourselves on responsive service and outstanding Google Reviews.

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