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Can you get a HELOC on a rental property?


If you landed on this page wondering can I get a HELOC on a rental property then we have good news for you. The answer is yes!


OfferMarket Capital now offers fixed rate and floating rate investment property HELOCs with credit lines of up to 90% of the value of your investment property.


If this is all you needed to know, head right over to our loan program overview page where we maintain up-to-date loan program guidelines and Get Approved for an Investment Property HELOC!


What is an Investment Property HELOC?


An Investment Property HELOC is a home equity line of credit where the collateral is a rental property. This is an interest only credit facility that allows you to tap into the equity of your investment property (not your primary residence). You only pay interest on the amount of credit you draw on.


You can use our investment property HELOC to buy another rental property, or for working capital for your business.


Can I be self employed to get an investment property HELOC?


Yes. Unlike our DSCR Loan and Bridge Loan programs which are no-doc (no tax returns, no business financial statements), if you're self employed, we will will ask for:


  • 2 years of personal and business tax returns
  • YTD P&L and Balance Sheet up to the most recent ended quarter

What is the minimum credit score for an investor HELOC?


Our minimum credit score is 620, and that will qualify you for up to 60% CLTV.


What is the Interest Rate for an Investment Property HELOC?


Our investment property HELOC has a minimum interest rate of 4%. We have a fixed rate and floating rate option which varies interest rate environment, investor financial strength (credit score, income, assets).


What are the minimum and maximum credit lines?


Our Investment Property HELOC minimum credit line is $25,000 and maximum credit line is $500,000.


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