Can I get a HELOC on a rental property?

Yes, some lenders offer HELOCs on non-owner-occupied investment properties. Requirements are stricter than for primary residences (typically 700+ credit score and maximum 80% CLTV), but it's a great way to leverage your rental portfolio.

Why are investment HELOCs harder to get?

Lenders view investment properties as higher risk because borrowers are more likely to default on a rental property than their primary home. As a result, lenders require stronger credit, lower LTVs, and may charge higher rates than on primary HELOCs.

Is the interest on an investment HELOC tax deductible?

Interest paid on an investment HELOC used for business or investment purposes is generally deductible as a business expense. Consult your tax advisor for guidance specific to your situation.

What can I use an investment HELOC for?

Common uses include purchasing additional investment properties, funding renovations to increase rental income, covering vacancies or operating expenses, or consolidating higher-rate investment debt.

Investment Property HELOC

Unlock equity in your rental properties

Access the equity in your investment properties to fund new acquisitions, renovations, or operating expenses, without selling your portfolio. Investment-property HELOCs run through our HELOC program, which covers primary homes and rentals alike: the full program details live on the HELOC page.

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Key Advantages

Why Choose a Inv. HELOC?

Here's what sets this loan product apart and who it works best for.

Portfolio Leverage

Use built-up equity in existing rentals to fund the next property purchase without liquidating assets.

Flexible Draws

Draw only what you need, when you need it, keeping overhead low between projects.

Interest May Be Deductible

When used for investment purposes, HELOC interest may be tax-deductible. Consult your CPA.

One Program, Both Occupancies

The same HELOC program serves primary homes and rentals. Investment properties typically carry stricter credit and CLTV guidelines; see the HELOC page for the program specifics.

Eligibility

Qualification Requirements

General guidelines for Investment Property HELOC eligibility. Requirements vary by lender and scenario.

Requirement	Guideline
Program Details	Investment HELOCs run through our HELOC program. See the HELOC page for full specs

These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.

FAQ

Frequently Asked Questions

Common questions about Investment Property HELOC loans.

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West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

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