1-877- 292-7350 jhurst@hurstlending.com

Investment Property HELOC

Access the equity in your investment properties.

Investment Property HELOC

Client Reviews

If you need to access the equity in your investment properties, we can help.  We offer several ways to access your equity such as a cash-out refinance but we also offer a couple unique program that allow you access your equity without having to go thru the time and expense associated with doing a full cash-out refinance.  We offer a line of credit backed by your rental property portfolio and we also offer a HELOC tied to your investment property or properties.  

Hurst Lending IconHurst Lending

4.8 ★★★★★ 40 reviews

Over $1 Billion in Loans Funded

And we are just getting started!  

We're Expanding!

Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.

Why Use Our Services?

Make a Smart Move

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INVESTOR HELOC

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Access Your Equity

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Beat Other Buyers by Paying With Cash

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Use Line of Credit to Grow Your Portfolio

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CONVENIENCE

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Close Quickly

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Low Costs

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Personalized Advice

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“Football’s hard.
Accessing your equity doesn’t have to be.”

 

Dat Nguyen, Hurst Lending Investor
Former Pro Football Player & Coach

QUESTIONS?

Call 1-877-405-3465

Access Your Equity

 

Investment Property Line of Credit (43 States)

  • Beat Other Buyers by Paying with Cash
  • Great way to Purchase More Rentals
  • Acquistion – Fund up to 90% of the Purchase Price
  • Rehab – Fund up to 95% of rehab costs (max 75% ARV)

Investment Property HELOC (Texas)

  • Secured by Equity in Fully Paid Rental Properties
  • $50k to $500k
  • Great way to Purchase More Rentals
  • Fast Access to your Capital
  • Use Draw to Rehab your Properties
  • 70% to 60% LTV Available
  • First Lien Only

Save with an Investment Property HELOC

How does the Investment Property HELOC work?

With our program, you apply for the Investment Property HELOC based on your existing portfolio equity before looking for new rental properties or deciding to rehab a property. Our program is intended for investors who fully own one or more rental properties. These properties are the security for the Investment Property HELOC. When you take a draw against your line you can use the money to purchase your next property, rehab a property, or for any other purpose. When the line is put in place we acquire a 1st lien position on your applicable properties to secure your home equity line of credit. During the application process, we obtain appraisals on your existing properties (at your cost) and you can access 60% to 70% of the equity in these properties during the annual term of the line of credit. Please note, however, that our Investment Property Home Equity Line of Credit is not exactly the same as a HELOC on your primary residence.

Our program is similar to commercial bank lines of credit that are set up on an annual basis, have adjustable interest rates, and have annual costs. We do not charge an origination fee for setting up your line of credit and instead charge a 1% fee every time you draw against your line (with a minimum $50k per draw). We are also a mid-size business and we intentionally do not have large amounts of capital sitting idle waiting for a client to use/not use. To make sure that we keep our funds fully invested, a borrower must provide us a 60 day window/notice period in which you plan to access your line of credit and an estimate (within 10%) of the amount you plan to access. The idea is to make sure these funds are available during the window in which you plan to access your funds. If you have an unexpected need to start and draw in a shorter time period, let us know and we will see if we can line up funds on a good faith basis (but we cannot guaranty that we will have funds available for these type of short notice requests). Upon receipt of your notice, we will confirm that funding is available and set this amount aside for your use. If you decide not to use your requested draw, you will incur a non-use fee (because we incur the costs associated with the un-deployed capital).

The main benefit of this program is that you can use your draw for any purpose (even personal reasons) using the equity in your fully paid off investment property. If you don’t have a fully paid off investment property but would still like to have a line of credit to purchase or rehab properties our Investment Property Line of Credit Program may fit your needs. Please note that this program is available in 43 states and it does not come with the pre-notification requirements of our Investment Property HELOC program.

We Also Offer Other Investor Loans

CONVENTIONAL

We secure real estate investor loans.

LLC LOANS

Loans for your 1-4 family rental property.

HARD MONEY

Low rate loan for properties.

INVESTOR HELOC

Access the equity in your paid off properties.

Not Just Lenders - Problem Solvers!

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Great Rates

Lots of mortgage lenders can offer a good rate on a conventional loan. We can too – in fact, our rates are some of the best around.

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Unique Solutions

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

About Hurst Lending's Real Estate Investing Services

Our founders started out as residential real estate investors and they learned how to leverage their borrowing capacity to build a high quality real estate portfolio over time.  Along the way they built Hurst Lending and created a deep suite of loan products to address needs they had as real estate investors.  Our loan products help investors: (1) grow their portfolios, (2) access their equity, and (3) acquire properties without high cost hard money loans.

We also love to work with new investors (who have solid w-2 jobs) to help them get started investing in real estate.  People with w-2 jobs are able to access low cost long term fixed rate financing and this is the best way to grow your portfolio over time.  The main thing that holds people back is the uncertainty about being a landlord and not having the tools to get started.  We solve this issue by offering our mortgage clients access to our real estate investing experts and provide our clients the same suite of tools, legal contacts, and contractors used by our founders for their own investment properties (at no extra cost).*  If you are interested in growing your portfolio or getting started investing in Real Estate, click the get started button below or feel free to reach out to Scott Bialek, one of our founders, at sbialek@hurstlending.com.  He loves helping real estate investors grow their portfolios.

*Some services are only available in limited locations and offers may be changed at any time.

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