{"id":22063,"date":"2025-11-03T20:17:29","date_gmt":"2025-11-03T20:17:29","guid":{"rendered":"https:\/\/incredipros.com\/?p=22063"},"modified":"2025-11-03T20:17:30","modified_gmt":"2025-11-03T20:17:30","slug":"can-you-get-a-heloc-on-an-investment-property","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22063","title":{"rendered":"Can You Get a HELOC on an Investment Property?"},"content":{"rendered":"<div>\n<div id=\"block_6499231e2783a4526e741f78ab060cbd\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            A home equity line of credit (HELOC) on an investment property is a loan taken out against a piece of real estate that generates income or a financial return.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Lenders will consider both the borrower\u2019s creditworthiness and the property\u2019s financials when evaluating an investment property HELOC application.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            These types of HELOCs are not as common or easily obtained as primary residence HELOCs.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Since they\u2019re considered riskier, investment property HELOCs\u2019 interest rates and fees are typically higher.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Yes, you can get a home equity line of credit (HELOC) on an investment property: that is, one that lets you borrow against a piece of real estate that you use to earn income or a financial return. But HELOCs on investment properties aren\u2019t nearly as common \u2014 or as easy to get \u2014 as HELOCs on primary residences. However, some lenders do offer HELOCs on investment properties. Here\u2019s how they work, and how to decide whether they\u2019re a good strategy for your financing needs.<\/p>\n<h2 id=\"how-to-get\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How do you get a HELOC on an investment property?\" data-outcome=\"\">How do you get a HELOC on an investment property?<\/h2>\n<p>Getting a HELOC on a rental or other type of investment property is similar to getting a mortgage (in fact, HELOCs are a type of second mortgage). And opening a HELOC on an investment property isn\u2019t that different from borrowing one against your home. In both cases, you\u2019re putting up the property as collateral for your debt.<\/p>\n<p>Here\u2019s how the process works:<\/p>\n<h3>1. Know your finances<\/h3>\n<p>Before you apply for a home equity line of credit, you\u2019re going to want to estimate how much equity you have. Property values have continued rising this year \u2014 albeit more slowly than they had been during the peak of the pandemic \u2014 so you\u2019ll want to get a sense of what your property is worth versus how much, if any, you have left to pay on the first mortgage. The difference between how much you owe and the investment property\u2019s fair market value equals, roughly, the amount of your equity stake.<\/p>\n<h3>2. Shop around for the best investment property HELOC<\/h3>\n<p>While the numbers are growing, there simply aren\u2019t as many lenders that offer these HELOCs for investment properties. Still, there are always choices, and it\u2019s always important to compare. Compare at least three lenders and determine how experienced they are with this type of HELOC. Review each lender\u2019s APR and scrutinize the fine print to understand whether there are additional fees, such as a penalty for closing the line of credit early.<\/p>\n<h3>3. Apply<\/h3>\n<p>When you\u2019re ready to officially apply for a HELOC, be prepared for the kind of complete under-the-hood type of financial scrutiny you would receive with any type of request to borrow a sizable chunk of money. A lender will look at your credit score, your debt load, your cash flow, your cash reserves and every other detail about your finances to determine whether they will loan you the cash and how much they\u2019ll charge you to borrow it. The lender will also probably do an appraisal of your property \u2014 its condition and also the amount and sort of income it generates \u2014 which sets the official value on it.<\/p>\n<h3>4. Close<\/h3>\n<p>Closing on a HELOC is typically a much faster process than closing on a traditional mortgage. Some lenders, particularly online institutions, promise to process your application in as little as three days, and (assuming approval) you can access the cash within a week. However, the timeline varies based on the lender and your particular circumstances. In some cases, closing could take as long as a month to six weeks.<\/p>\n<h2 id=\"comparison\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"HELOC requirements: investment properties vs. primary residences\" data-outcome=\"\">HELOC requirements: investment properties vs. primary residences<\/h2>\n<p>The vast majority of HELOCs are borrowed against primary residences; lenders are more comfortable with a loan against the actual roof over your head because they know you\u2019ll prioritize repaying that loan. As a result, the criteria for investment property HELOCs tend to be more stringent than those for primary residences. In addition to the borrower\u2019s creditworthiness, lenders also look at the property\u2019s financials.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th class=\"has-text-align-left\" data-align=\"left\">HELOC criteria<\/th>\n<th class=\"has-text-align-left\" data-align=\"left\">Investment properties<\/th>\n<th class=\"has-text-align-left\" data-align=\"left\">Primary residences<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Credit score minimum<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">700-720<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">650-680<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Debt-to-income (DTI) maximum<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">50% (can depend on anticipated rental income)<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">43%<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Loan-to-value (LTV) maximum<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">75-80%<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">85-90%<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Appraisal<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">In-person appraisal; more than one may be needed to validate the property\u2019s value<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">Can be an in-person or desktop\/virtual appraisal<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Cash reserves<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">Must cover at least six months\u2019 worth of payments<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">Lenders may not require<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\"><strong>Minimum equity stake<\/strong><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">20% of property<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">15% of property<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"pros-v-cons\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What are the pros and cons of getting a HELOC on an investment property?\" data-outcome=\"\">What are the pros and cons of getting a HELOC on an investment property?<\/h2>\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"block_93bcdc7257d4a06ce16e3fa178e01a60\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsList\" data-js-selector=\"ProsAndConsList\">\n<div class=\"ProsAndConsItem\">\n        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"ProsAndConsItem-list\">\n<li>\n                    <strong>Cheaper than many other forms of borrowing: <\/strong>The interest rates on HELOCs are often lower compared to other forms of financing like credit cards and personal loans. (You\u2019ll likely pay a bit more because the loan\u2019s tied to an investment property, however.) A HELOC might also be simpler and cheaper to obtain than a business or commercial property loan.\n                <\/li>\n<li>\n                    <strong>Less risk for you:<\/strong> Taking out a HELOC on an investment property might be a bit safer than a HELOC on your primary residence. If you default on the line of credit, at least the home you live in won\u2019t be subject to foreclosure.\n                <\/li>\n<li>\n                    <strong>A flexible way to access cash: <\/strong>You can continually tap the HELOC during the initial draw period, so it\u2019s often a good fit for fluctuating or longer-term expenses like renovation projects.\n                <\/li>\n<li>\n                    <strong>Cheap initial payments:<\/strong> With most HELOCs, you only need to pay interest during the draw period. Paying back the principal starts during the repayment period.\n                <\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"ProsAndConsItem-list\">\n<li>\n                    <strong>Limited availability: <\/strong>Not many lenders offer HELOCs on investment properties.\n                <\/li>\n<li>\n                    <strong>Higher rates: <\/strong>An investment property is inherently riskier than a primary residence. You don\u2019t live in it, which means you aren\u2019t as impacted if you lose it. That means that lenders charge higher rates for any type of financing attached to one, including a HELOC. For example, TD Bank\u2019s lowest available APR on HELOCs for investment properties is up to 2 percentage points higher than a HELOC on a primary or secondary home.\n                <\/li>\n<li>\n                    <strong>Extra fees: <\/strong>Most HELOCs come with an annual fee and an early cancellation or termination fee if you close the line within the first two or three years.\n                <\/li>\n<li>\n                    <strong>Negative equity concerns: <\/strong>Real estate doesn\u2019t always appreciate, and if your property loses value, you could wind up underwater (owing more on a property than it\u2019s worth).\n                <\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/div>\n<h2 id=\"when-to-use\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"When is it a good idea to use a HELOC on an investment property?\" data-outcome=\"\">When is it a good idea to use a HELOC on an investment property?<\/h2>\n<p>Using a HELOC on an investment property can be an easy way to access cash that will generate a return.  For example, you might use the funds from the HELOC to buy another property that can act as an additional investment without depleting your savings. Or you might use the funds to upgrade or expand your property, making it more attractive to prospective tenants and enhancing its revenue stream. HELOCs are an especially good idea when you want to use the funds on the real estate itself because there are tax benefits.<\/p>\n<h2 id=\"alternatives\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What are the alternatives to using a HELOC on an investment property?\" data-outcome=\"\">What are the alternatives to using a HELOC on an investment property?<\/h2>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Cash-out refinance<\/strong><strong>:<\/strong> With a cash-out refinance, you\u2019ll refinance the loan on your investment property to a higher amount (provided you have enough equity) and take the difference in cash. Some savvy real estate investors use this method to continuously add new properties to their portfolio mix. However, this strategy might not work as well today, with mortgage interest rates having risen.<\/li>\n<li>\n<strong>HELOC on your home:<\/strong> If you can\u2019t find a lender willing to extend a line of credit on your investment property, you might want to consider taking out a HELOC on your primary residence. But this means your home is on the line if you can\u2019t repay what you borrow. You might not be able to get as sizable a loan, and if you use the funds on the investment property, you won\u2019t be able to deduct any interest \u2014 the tax break only works if the money is spent on the collateralized property.<\/li>\n<li>\n<strong>Personal loan:<\/strong> Depending on your debt load, you might be able to take out an unsecured personal loan as a lump sum. The interest rates on these can be much higher if your credit isn\u2019t the best, up to 36 percent, and you\u2019ll need to start repaying what you borrowed right away.<\/li>\n<li>\n<strong>Small business loan: <\/strong>If your small business plans to own or operate your investment property, consider small business loans or lines of credit to access the funds you need. The interest rates on these loans will likely be higher than that of a personal HELOC, and you\u2019ll have to start full repayments right away or make more frequent payments (in the case of the line of credit). But if you have a solid business plan you can show to a lender that documents your strategy for expanding your real estate investment portfolio, this can be another viable option.<\/li>\n<\/ul>\n<h2 id=\"faq\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-do-you-find-banks-that-offer-helocs-on-investment-properties', 'heading-how-do-you-find-banks-that-offer-helocs-on-investment-properties']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-do-you-find-banks-that-offer-helocs-on-investment-properties')\" :aria-controls=\"$id('panel-how-do-you-find-banks-that-offer-helocs-on-investment-properties')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How do you find banks that offer HELOCs on investment properties?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-do-you-find-banks-that-offer-helocs-on-investment-properties')\" :aria-labelledby=\"$id('heading-how-do-you-find-banks-that-offer-helocs-on-investment-properties')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            While it can be somewhat harder to find lenders that offer HELOCs for investment properties, it is possible. The key is shopping around, investigating several lenders and reading the fine print on their lending policies. Be sure to consider online and brick-and-mortar lenders, both national and local. And don\u2019t overlook mortgage brokers: Some may also specialize in HELOCs for investment properties.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-are-you-able-to-deduct-a-heloc-on-your-taxes', 'heading-are-you-able-to-deduct-a-heloc-on-your-taxes']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-are-you-able-to-deduct-a-heloc-on-your-taxes')\" :aria-controls=\"$id('panel-are-you-able-to-deduct-a-heloc-on-your-taxes')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Are you able to deduct a HELOC on your taxes?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-are-you-able-to-deduct-a-heloc-on-your-taxes')\" :aria-labelledby=\"$id('heading-are-you-able-to-deduct-a-heloc-on-your-taxes')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Tax advantages are one of the pluses of HELOCs. You might be able to deduct the interest paid on a HELOC, including a HELOC on an investment property, provided the funds were used to build, improve or repair the real estate backing the loan in some way. You can\u2019t deduct all of the interest, however. You can only deduct the interest actually accrued on withdrawn funds (not on your total line of credit).\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-can-you-use-a-heloc-for-a-down-payment-on-an-investment-property', 'heading-can-you-use-a-heloc-for-a-down-payment-on-an-investment-property']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-you-use-a-heloc-for-a-down-payment-on-an-investment-property')\" :aria-controls=\"$id('panel-can-you-use-a-heloc-for-a-down-payment-on-an-investment-property')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can you use a HELOC for a down payment on an investment property?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-you-use-a-heloc-for-a-down-payment-on-an-investment-property')\" :aria-labelledby=\"$id('heading-can-you-use-a-heloc-for-a-down-payment-on-an-investment-property')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            HELOC funds can be used for pretty much anything. This includes down payments on other properties. Using a HELOC from a current investment property to purchase a second property could be a smart way to leverage your assets and increase your income while not impeding your cash flow. But read the fine print from your lender to make sure there are no restrictions on how you use your HELOC \u2014 some lenders prohibit drawing funds for investments, real estate or otherwise.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-does-rental-income-affect-an-investment-property-heloc', 'heading-how-does-rental-income-affect-an-investment-property-heloc']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-does-rental-income-affect-an-investment-property-heloc')\" :aria-controls=\"$id('panel-how-does-rental-income-affect-an-investment-property-heloc')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How does rental income affect an investment property HELOC?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-does-rental-income-affect-an-investment-property-heloc')\" :aria-labelledby=\"$id('heading-how-does-rental-income-affect-an-investment-property-heloc')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Rental income impacts a HELOC for an investment property in several ways. Lenders consider the cash flow from a property when evaluating your HELOC application. You\u2019ll be asked to submit the real estate\u2019s balance sheet and income tax statements. Lenders often like to see tenant rent or lease roll for the current and past two years also, along with proof of long-term tenancies. Their underwriters want to ensure that the property is profitable \u2014 or at least breaking even.<\/p>\n<p>On the plus side, any rental monies do accrue to your overall income, and how your overall debt-to-income ratio is calculated. This income also influences the perceived risk of default on the HELOC, which in turn influences whether you\u2019ll get the money and on what terms.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<p><i>Additional reporting by Mia Taylor<\/i><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"wrxcI9xYoB\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/home-equity\/heloc-on-investment-property\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways A home equity line of credit (HELOC) on an investment property is a loan taken out against a piece of real estate that generates income or a financial return. Lenders will consider both the borrower\u2019s creditworthiness and the property\u2019s financials when evaluating an investment property HELOC application. These types of HELOCs are not<\/p>\n","protected":false},"author":1,"featured_media":22064,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22063","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can You Get a HELOC on an Investment Property? | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways A home equity line of credit (HELOC) on an investment property is a loan taken out against a piece of real estate that generates income or a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=22063\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can You Get a HELOC on an Investment Property? 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