MyExpressHELOC™ • Investment Property HELOC
Real estate investors may be able to access equity from eligible rental properties with a fast digital HELOC. Use funds for repairs, reserves, improvements, or your next investment opportunity.
Yes. Eligible investment properties may qualify for a HELOC through MyExpressHELOC™.
The minimum FICO score for investment properties is 680. Approval depends on the property, credit profile, equity, occupancy type, and program guidelines.
This is not a DSCR HELOC. However, qualifying investment properties may still be eligible under the available program guidelines.
Use available equity to repair roofs, HVAC systems, plumbing, flooring, appliances, or other rental property items.
Improve kitchens, bathrooms, landscaping, flooring, and overall rental appeal.
Build liquidity for vacancies, repairs, insurance deductibles, or unexpected property expenses.
Investors often value speed, flexibility, and liquidity. A HELOC may allow access to capital without selling a property or refinancing the first mortgage.
Eligible property types may include:
Eligibility depends on property type, ownership, occupancy, valuation, credit profile, and program requirements.
For eligible loan amounts of $400,000 or less, a full appraisal is generally not required.
An AVM or BPO may be used. If you disagree with the valuation, a full appraisal can be ordered.
This program does not currently offer a DSCR HELOC option.
However, eligible investment properties may still qualify through the standard investment-property HELOC guidelines, including the 680 minimum FICO requirement.
MyExpressHELOC™ offers digital HELOC options in all 50 states.
Primary SEO and marketing focus includes Texas, California, Florida, Colorado, Georgia, Washington, Illinois, North Carolina, Virginia, and Nevada.
Start with a soft-pull eligibility review and see what options may be available for your rental or investment property.
Loan amount eligibility varies by property, credit profile, occupancy, and location.
Yes. Eligible investment properties may qualify, subject to credit, equity, property type, and program guidelines.
Investment properties require a minimum FICO score of 680.
No. This is not a DSCR HELOC program.
Yes. Funds may be used for property repairs, improvements, reserves, and other permitted purposes.
No. The initial eligibility review uses a soft-pull Experian FICO 9 inquiry.
MyExpressHELOC™ | Matthew Brown | Loan Factory, Inc. | NMLS #1254250 | Company NMLS #320841. Equal Housing Lender. Program details subject to change. Terms, conditions, and eligibility apply.