DSCR HELOC
Unlock Your Rental Property's Potential
A DSCR HELOC is a first-lien revolving line of credit secured by your investment property. Access your equity when you need it—perfect for repairs, renovations, or expanding your portfolio.
Rental Income Qualification
Qualify based on your property's rental income—not your personal W-2s or tax returns.
Revolving Line of Credit
Draw funds as needed during your 3-year draw period. Pay down and reuse your credit line.
Competitive Rates
Access capital at rates far better than credit cards or personal loans.
Product Details
Qualification
- Qualifying income based on property's rental income
- Minimum FICO: 700
- No minimum DSCR required
- First-time investors welcome
Terms & Features
- 30-year variable term with 3-year draw period
- Maximum LTV: 75%
- No prepayment penalty
- LLC, partnership, and corporation allowed
Get More Flexibility with DSCR HELOC
Traditional DSCR products often fall short of meeting the evolving needs of today's investors. Whether you're looking to purchase a property or take cash-out, DSCR HELOC delivers the flexibility and control you need—designed to give you a true financial edge.
| Parameter | DSCR HELOC | Fixed-rate DSCR |
|---|---|---|
| Prepayment Penalty | None | 0 to 5 years |
| Minimum DSCR | None | 0.75 |
| Credit Line Feature | Available for up to 3 years | Not Available |
| Amortization | Tied to Wall Street Prime IndexIdeal in falling rate environments | Fixed rateEven if the Fed cuts rates |
Ready to Unleash Your Investment Potential?
Don't let your hard-earned equity collect dust.
Turn it into your next big opportunity today!
Why Choose House Money?
Lightning-Fast Closings
Industry-leading turn-times to get you funded quickly.
Fair Lending
100% trusted service that offers secure, judgment-free assistance.
24/7 Support
Round-the-clock support with licensed experts available to speak with you upon request.
Expert Advisors
Speak with experienced professionals who understand real estate investing.
No Hidden Fees
Transparent pricing with no surprises.
Proven Track Record
Trusted by real estate investors nationwide.