Investment Property Financing Expert | DSCR • Rental HELOCs • No-Seasoning Cash-Out Refi | Shopped 260+ Lenders | NMLS 511837 | 👇DM for deal structuring.
North Carolina
Joined March 2009
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Did you know that there are at least 22 Lenders that will do a HELOC on investment properties? (Home Equity Line Of Credit)
📷 22 different lenders offering HELOCs on investment properties
📷 LTV up to 70-90%, depending on the program
📷 Underwriting flexibility — Full Doc, Bank Statement, Asset Depletion, Stated Income (verified via deposit history), P&L, WVOE, or DSCR
📷 Loan sizes from $5K–$150K minimum up to $1,000,000 max
📷 1st or 2nd lien position options
📷 Draw terms: 3, 5, 10, or 30 years
📷 2-4 unit properties eligible with many lenders
📷 Seasoning as low as 0 months (up to 18 months depending on lender)
📷 Close in an LLC — at least 5 lenders support this
📷 Credit scores as low as 640
Let me know what questions you have!!
#realestateinvesting #heloc #dscr #rentalproperty #landlord #equity #homeequity
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Renovation Heloc?!?! YES! (Home Equity Line of Credit)
A renovation Heloc lets you borrow against your home on the FUTURE equity in you home!
How do most Helocs work?
Lets say your house is worth $300,000 and you owe $225,000. Most Helocs will let you get a line of credit for up to $45,000 max. If you wanted to do a renovation to your home for $75,000 you would have to come out of pocket for $30,000.
$300,000 x 90% = $270,000 (this is combined Loan To Value max)
$270,000 - 1st mortgage $225,000 = $45,000 Heloc
How does a Renovation Heloc work?
Current house is worth $300,000. Future house (after your renovation project) could be worth $400,000. We can do a line of credit of up to 90% of the ARV or After Repair Value. So: 90% of $400,000 x 90% = $360,000 max cLTV
$360,000 - 1st mortgage $225,000 = $135,000 Heloc!
Let me know if you have been thinking about a home improvement!
#brokersarebetter #bellomortgage #heloc #FutureValue #over220lenders #moreprogramsbetterrates #ARVHeloc #renovationheloc
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