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.