Can I Get a HELOC on an Investment Property?
Yes, from lenders that offer one. Three published programs we read lend against a rental you already own: one says it offers HELOCs on primary homes, second homes and investment properties, one offers investment-property lines in first or second lien position, and one network caps its investment lines at 70% combined loan-to-value.
Last updated October 21, 2026How much you can borrow against a rental
The published caps we found run from 70% to 80% of the property's value. One lender lists a maximum of up to 80%. Another publishes up to 75% combined loan-to-value on an investment line. A third caps investment lines at 70% and $500,000. Combined loan-to-value counts your first mortgage and the new line together against the property's value.
First lien or second lien
Either, depending on the lender. If the rental has a mortgage, a line sits behind it in second position, so a low rate on that first loan stays as it is; one lender says that's how its line works. The same lender also offers investment-property lines in first lien position, which can suit a rental you own free and clear.
Can an LLC borrow?
It depends on the lender. One lender says LLC, corporation or partnership vesting is available on select programs. One network says title must be in your own name or a revocable living trust, and that an LLC can't hold title on the line; it points owners of LLC-held rentals to a DSCR cash-out refinance instead. Our page on HELOCs for property held in a trust or LLC covers the title question in more detail.
Other terms lenders publish
- Credit: one lender and one network list a 700 minimum score on investment lines; another lender lists programs from the 680s.
- Line size: published ranges include $50,000 to $750,000, and $75,000 to $2,000,000 depending on the program.
- Time on title: one lender requires six months on title for an investment property.
- Short-term rentals: one lender accepts them on select programs, at a lower loan-to-value.
HELOC, home equity loan, cash-out refinance or DSCR loan?
A HELOC is a line you draw on as you need it. A home equity loan on a rental pays a lump sum at closing. A cash-out refinance on a rental replaces your first mortgage with a larger one. A DSCR loan qualifies on the property's rent rather than your income, and can be a cash-out refinance too. If your current first mortgage has a low rate, a line or loan behind it leaves that rate in place.
One difference from a HELOC on your own home
Federal home-equity rules in Regulation Z (12 CFR 1026.40) are written for lines secured by the consumer's dwelling, and the CFPB's official commentary treats credit to buy, improve or maintain a rental the owner doesn't live in as business credit. Ask the lender which disclosures you'll receive for a line on a rental.
What to ask a lender
- Do you offer a HELOC on a property I don't live in?
- What's the maximum combined loan-to-value, and does it change for a short-term rental?
- First or second lien position?
- Can the line be in my LLC's name, and what title do you need?
- What's the minimum and maximum line size, and how long do I need to have owned it?
| Available | Yes, from lenders that publish an investment-property HELOC |
|---|---|
| Borrowing limit | Published caps from 70% to 80% of the property's value |
| Lien position | Second behind an existing mortgage; one lender also offers first lien |
| LLC title | Allowed on select programs at one lender; not allowed at one network |
| Time on title | Six months at one lender |
| Line size | Published ranges from $50,000 up to $2,000,000 |
Related questions
Sources
- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-E/section-1026.40
- https://www.consumerfinance.gov/rules-policy/regulations/1026/3/
- https://better.com/content/heloc-on-investment-property
- https://andesmortgage.com/investment-property-heloc/
- https://www.lendmire.com/heloc-on-investment-home/
- https://www.lendmire.com/home-equity-loan/
Sourced from licensed loan officers and brokers in the FreeRateUpdate network.
Educational information only, not individualized financial or legal advice. Program details and rates change; verify current terms with a licensed loan officer before making a decision.