Investment Property HELOC

Access Your Equity in 5 Business Days

  • No full appraisal — AVM technology, instant valuation
  • Close under your LLC
  • 680+ credit score minimum
  • Up to 80% LTV on rental properties
  • 3-year draw period, fixed rate
Get Your Instant Offer →
5 Business days to close — sometimes faster
80% Max LTV based on AVM value
LLC Vesting allowed — keep it in your entity
5Days to close
80%Max LTV
3 yrDraw period
LLCVesting allowed
680+Min credit score
Why this program

Why Investors Choose This HELOC

  • Fast Cash — 5 Business DaysFrom application to funded in as little as one week. No waiting 30–60 days like a traditional bank HELOC.
  • No Full Appraisal RequiredAVM technology determines your property value instantly — up to $400K without an appraiser visit.
  • LLC Vesting AvailableClose under your entity. Most banks require personal vesting — this program doesn't.
  • Streamlined Income VerificationPay stubs, bank statements, or Plaid bank link. No tax returns required in most cases.
  • Soft Pull to StartYour initial application uses a soft credit check — no impact to your score until you accept an offer.
Apply Now — It's Fast & Easy
Put your equity to work

How Investors Use Their HELOC

Next Down Payment

Pull equity from one rental to fund the down payment on your next acquisition. Keep your capital working instead of sitting idle.

Rehab & Renovation

Fund a value-add project on an existing property. Increase rents, force appreciation, and grow your portfolio equity.

Bridge Financing

Use your HELOC as a bridge while waiting on a long-term loan to close. Move fast on deals without missing out.

Operating Capital

Cover unexpected repairs, vacancies, or operating expenses without liquidating assets or dipping into reserves.

Get Your Instant Offer →
Simple 3-step process

Apply Monday. Fund Friday.

No appraisal. No tax returns. No 30-day waiting period. Here's exactly how it works.

1
Apply Online in 90 Seconds

Complete the short application. The lender instantly runs a soft credit pull and AVM on your property. You receive an offer showing exactly how much equity you can access — within 90 seconds.

2
Verify Income

Upload pay stubs, bank statements, or link your bank via Plaid. Self-employed borrowers can use the bank account option — no tax returns needed in most cases. Underwriting typically moves within hours.

3
Close & Get Funded

Sign with a notary and funds hit your account within days. No 3-day rescission period on investment properties — which means faster funding than a primary residence HELOC every time.

Client reviews

What Investors Are Saying

★★★★★

"Austin was incredibly knowledgeable and made the entire process smooth and stress-free. He found us a great rate and kept us informed every step of the way."

JL
Jerry Lurye
Google Review
★★★★★

"Working with Austin was a fantastic experience. He was professional, responsive, and truly went above and beyond to get our loan closed on time."

TR
Troy — Sedona, AZ
Google Review
★★★★★

"Austin helped me navigate a complex investment property loan with ease. His expertise and communication throughout the process were second to none."

PF
Preston Friarson
Google Review
Got questions?

Frequently Asked Questions

Yes — and often faster. Because there's no full appraisal and underwriting moves in hours, a Monday application can fund by Thursday or Friday. Investment properties also have no 3-day right of rescission, removing the final delay that slows primary residence HELOCs.
Through an AVM — automated valuation model — the same technology that powers Zillow and Realtor.com. It pulls comparable sales, tax records, and market data to estimate your property's value instantly. No appraiser visit needed for properties up to $400K.
No. The initial application uses a soft credit pull, which has zero impact on your score. A hard pull only happens if you move forward after receiving and accepting your offer.
Yes — and this is one of the biggest advantages of this program. You upload your LLC documentation during the application and the loan gets titled to your entity, not your personal name. This keeps the loan off your personal credit report and maintains your liability protection.
This HELOC has a 3-year draw period at a fixed rate. During those 36 months you can draw funds, pay them back, and draw again — giving you a flexible revolving line of credit against your investment property's equity.
Yes — this is not a no-doc product. However, verification is streamlined. You can use pay stubs, bank statements, or link your bank account via Plaid. For self-employed borrowers, the bank account linking option means no tax returns are needed in most cases.
Yes. Unlike a DSCR loan, this program qualifies on your personal income and the property's equity — not on rental income. Vacancy status doesn't affect eligibility.

Ready to Access Your Equity?

Get your instant offer in 90 seconds — no impact to your credit score.

Get Your Instant Offer Call (602) 737-2576

Austin Clarence | NMLS #1509690 | NEXA Mortgage NMLS #1660690 | 3100 W Ray Road #201, Office #209, Chandler AZ 85226 | Loan programs subject to credit approval, property eligibility, and lender guidelines. Terms and availability may vary. Not a commitment to lend.