How Do I Tap Into My Properties Equity When My Rentals Are In LLCs?

I had a real estate investor call me last week with a big problem:
“How do I tap into the equity in my property when all my rentals are in LLCs?”

This is one of the most common challenges I see investors face. I remember my brother having this same issue some years ago on his rental properties and back then there were no solutions, until now.

Today I’ll break down exactly how we solved it (and how you can too).

Here’s what happened:

Most lenders won’t issue a HELOC directly to an LLC.
That means many investors feel stuck using hard money or private loans, which can eat away at profits with high interest rates and fees.

The investor wanted to fund a fix-and-flip without paying those expensive borrowing costs associated with hard money lending.

I found a lender who allowed the HELOC — but he had to personally guarantee the loan. My investor was okay with this if it meant he could tap into the equity of his rental properties.

That unlocked a strategy that I recommend often to those in similar situations:

1. Use a HELOC to pull funds from existing equity.
2. Buy and renovate the new property (fix + flip, rental, or Airbnb).
3. Once it’s stabilized, refinance the property.
4. Pay back the HELOC… and repeat the process again.

Think of it as the investor’s version of “wash, rinse, repeat.”

Here is why I think this strategy matters to investors:

✅ Lower borrowing costs compared to private or hard money lenders
✅ Flexibility to re-use the same line of credit
✅ Faster access to capital when opportunities come up

If you’re an investor, how are you currently funding your deals?

Are you sticking with private lenders, or are you using strategies like this to keep costs down?