Best HELOC Lenders for
Investment Properties & LLCs 2026
Chase. Wells Fargo. Bank of America. All three exited the investment property HELOC market. But Kiavi, CoreVest, Lima One, and Visio still approve them — DSCR-based, up to 75% LTV, LLC-friendly. Here's the complete BRRRR investor playbook.
75%
Max LTV
1.0x
Min DSCR (some lenders)
LLC ✅
With personal guaranty
🚫 Why Major Banks Refuse Investment Property HELOCs
❌ Higher default risk
Investment properties default at 2-3x the rate of primary residences during downturns. Banks price this risk by exiting the market entirely.
❌ Complex LLC underwriting
Underwriting LLC-held properties requires entity verification, operating agreements, and member guaranties — more work than standard residential underwriting.
❌ Regulatory capital requirements
Investment property loans require banks to hold more regulatory capital. In 2022-2026, banks reduced balance sheet risk — investment HELOCs were the first cut.
❌ Secondary market limitation
Investment property HELOCs cannot be sold to Fannie/Freddie — they must stay on the lender's balance sheet, limiting who can offer them.
✅ Solution: Portfolio lenders, non-QM lenders, and specialty investor lenders never sold these loans to Fannie/Freddie — they kept them on their balance sheets and continue offering them in 2026.
🏆 Best Investment Property HELOC Lenders 2026
Kiavi (formerly LendingHome)
Specialty: BRRRR investors, fix-and-flip
CoreVest Finance
Specialty: Portfolio of 5+ properties
8.00-10.00%
Est. HELOC rate
Lima One Capital
Specialty: Single rentals + portfolios
8.50-11.00%
Est. HELOC rate
Visio Lending
Specialty: Long-term rentals, Airbnb
8.00-10.00%
Est. HELOC rate
Local Portfolio Credit Unions
Specialty: Local investors, relationship banking
7.50-9.00%
Est. HELOC rate
Figure.com (Primary HELOC Bridge)
Specialty: Use primary HELOC to fund investment purchase
7.50-8.50%
Est. HELOC rate
📐 BRRRR + HELOC: The Full Calculator
Real example: $200K distressed rental → $340K ARV → $83K HELOC for next property.
Purchase distressed $200K rental (cash or hard money)
Initial equity: $0 (leveraged)
Spend $40K on renovations
ARV (After Repair Value): $340K
Lease at $2,200/month. DSCR check required
Property cash flows positively
DSCR refi at 75% LTV: $255K loan. Cash-out: $15K (repay hard money)
New mortgage: $255K. Equity: $85K
HELOC at 70% LTV: ($340K × 70%) − $255K = $83K
$83K available line
Use $83K HELOC as down payment on next property
→ Buy another $200-300K rental
Result: Started with $240K (purchase + rehab). Now own a $340K property with $85K equity AND an $83K HELOC — enough for the next property's down payment. Repeat this 5 times = $1.7M property portfolio, mostly funded by recycled equity.
Get DSCR Loan for BRRRR →📈 Access Your Rental Equity — Don't Leave It Sitting There
Your rental has equity. Major banks won't touch it. Kiavi, CoreVest, and Lima One will. Get multiple quotes and compare — 5 minutes, soft pull.
❓ Investment Property HELOC FAQ
Can you get a HELOC on a rental property in 2026?
Can an LLC get a HELOC?
What is the max LTV for an investment property HELOC?
What DSCR do I need for a rental HELOC?
How does a HELOC work in BRRRR?
📈 Your Rental Equity = Your Next Deal
BRRRR investors scale to 10+ properties by recycling equity through HELOCs. Get access to specialist lenders who actually do this.
📚 Related Investor Mortgage Guides
Meet Emily
Construction & Commercial Loans Expert
Emily Chen specializes in complex financing solutions for construction projects and commercial real estate investments. With 8 years of experience in construction-to-permanent loans and DSCR financing, she has funded over $200 million in construction and investment property projects. Her expertise in navigating construction loan complexities and commercial underwriting makes her invaluable for real estate investors and builders.
EXPERTISE:
KEY ACHIEVEMENT:
Funded $200M+ in construction projects