RSS Amplifier

Funding Freedom · Aug 20, 2026

Your rentals are sitting on unused capital

0
Sign in to vote or save

Benjamin Stef · Funding Freedom

DSCR HELOCs are seriously underrated right now

I don’t think enough investors realize how powerful these can be

If you have equity sitting inside your rental properties, you may be able to open a line of credit against that property without refinancing your existing first mortgage

And the part that’s really interesting...

-> you can potentially do this on multiple rental properties

-> keep the low rate on your current 1st mortgage

-> access equity without selling

-> use the money for another purchase

-> use it for rehabs or construction

-> keep it available for reserves or opportunities

-> LLC options are available

-> some options don’t require traditional tax return/paystub qualification

So let’s say you own 5 rentals with equity

You could potentially have separate lines of credit available across multiple properties instead of having all that equity just sitting there

That can give you a LOT more flexibility when another deal comes up

Case Study #1:

I had a client with several properties in LLCs who kept getting denied

Because we didn’t have to use traditional income qualification, we were able to get her qualified and closed in about a week and a half

Case Study #2:

Another investor was halfway through construction and ran short on funds

We got them approved for a $113,000 line of credit so they could keep the project moving

The crazy part is the property wasn’t even fully completed

Best fit for properties held in an LLC

https://axenmortgageheloc.com/account/heloc/register?referrer=7b129019-d220-40e7-9f5d-ccf102a6e9d9

Option B

For properties NOT held in an LLC, with more flexibility around income

https://heloc.nexamortgage.com/invite/nexa-mortgage-llc/benjamin-stef/signup

Option C

Takes a little longer, but this is a DSCR HELOC where we can qualify using rental income from the property

https://heloc.deephavenmortgage.com/benjamin-stef

I’m telling you...if you own rentals with equity, this is worth knowing about

These are some of the most underused investor loan programs available right now

Just reply to this email or text me at 773-817-7894 and I’ll tell you which option fits your property best

No posts

Read the original on benjaminstef.substack.com

Comments

Nothing yet. Say the first thing.

    Sign in to join the conversation.