RENTAL EQUITY · INVESTMENT HELOC · FIXED SECOND

Keep your first mortgage. Explore the equity in your rental property.

Own investment property with equity? A second mortgage may let you access funds without replacing your first mortgage. Tell us about the property and we'll review available loan structures—not just a posted rate.

Get My Investment Second Quote

✓ Personalized financing review✓ No Social Security number needed✓ Private staging — no public leads

WHY INVESTORS ASK

What could you do with rental-property equity?

Accessing equity may support investment plans, but it adds financing costs and puts collateral at risk.

Buy the next property

Explore funding for a future acquisition, including potential down payment and closing expenses.

Renovate or improve rentals

Evaluate a lump sum versus a line of credit for improvements, deferred maintenance and renovations.

Keep a favorable first-lien rate

A second lien may avoid repricing an existing low-rate mortgage. We'll compare total loan costs and payments, not assume one path wins.

INVESTOR EQUITY CALCULATOR

How much equity might be available?

Illustrative maximum second lien based on the combined loan-to-value (CLTV) you choose; this is not a lender's commitment or eligibility guideline.

Estimated property value ($) Current first mortgage balance ($) Existing additional liens ($) Illustrative CLTV limit (%) Estimated second mortgage costs ($)

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Enter assumptions to see an illustrative net proceeds estimate.

INVESTMENT SECOND MORTGAGE INSTANT QUOTE

Show Jim the property. We'll review your options.

A few targeted details help us distinguish fixed seconds, investment HELOCs and cash-out refinance alternatives. No published rate can evaluate your entire scenario.

1. Tell us about your rental property

Property state *48 target states; individual program availability must be verified. Property ZIP code * Property type * Rental arrangement * Property ownership Estimated credit range

2. Tell us about your equity and financing goal

Estimated property value ($) * Current first mortgage balance ($) * Other existing liens ($), if any How much equity would you like to access? ($) * Preferred second-mortgage option * Current first mortgage rate (%) — optional Estimated monthly rent ($) — optional When do you need funds? *

Enter estimated property value, existing liens and desired cash amount to see an illustrative combined loan-to-value.

Where can Jim send your personalized options?

No Social Security number required to request a review.

Full name * Email * Phone * Questions / notes (optional)

QUESTIONS INVESTORS ASK

Second mortgage or DSCR cash-out?

Does a second change my first mortgage?

Typically, a new second lien leaves the first loan in place, though your existing loan terms and the new lender's requirements must be checked.

Can an LLC own the property?

Some programs may allow business-entity ownership, but underwriting, vesting and guarantees differ. We'll verify with the actual lender.

Is a cash-out refinance sometimes better?

Yes. The appropriate choice depends on both loan rates, points, payment structure, future plans and the amount of equity requested. See our DSCR cash-out review.

MORE WAYS TO FINANCE

Explore additional investor options.

For a rental purchase, a flip, or commercial financing, explore our dedicated financing center.

Investor Financing Center Owner-Occupied Second Mortgage