Best HELOC Lenders for Investment and Rental Properties (2026)

The research in brief

This index ranks 10 lenders that seven AI platforms named when asked which providers would consider a HELOC on a non-owner-occupied rental property. TD Bank finished first on breadth of mentions (4 of 7 platforms, 57.1%), while Jaken Finance Group, Figure, and PenFed Credit Union each appeared on 3 platforms. The consensus leader is not a clean winner: TD Bank ranked first only because it was named most often, and its average listed position (5.25) was the weakest of the top five. Jaken Finance Group and Figure hold the best average positions (1.33 and 1.67) and are the strongest alternatives for investors who need published rental CLTV limits or a fast digital process. The principal limitation is that no platform independently verified pricing, and several entities — including the top-ranked one — never published a rental-specific maximum CLTV, rate premium, or portfolio-lending term.

Research Snapshot

• Topic: Best HELOC lenders for tapping equity in a non-owner-occupied rental property
• Target buyer: A landlord or real estate investor who wants to borrow against equity in a rental property that is not their primary residence
• Use case: Tapping equity in a non-owner-occupied rental property
• Geography: United States
• Research date: 2026-09-29
• Platforms included (7): ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, Gemini
• Unique entities named across platforms: 38
• Qualifying entities (named by at least two platforms): 10
• Eligibility rule: An entity qualified for this index only if at least two of the seven platforms named it during ranking discovery
• Ranking rule: Platform mentions first, then average listed rank, then best listed rank
• Method: One standardized prompt sent once to each included platform

The prompt asked which providers would consider a non-owner-occupied property, what CLTV limits and rate premiums apply, and whether portfolio lending options exist. Platform mentions count only ranking-discovery mentions; they do not reflect how many platforms later completed a fit assessment.

The Consensus Ranking

Questions explored

• What are the best investment property HELOC lenders for tapping equity in a non-owner-occupied rental property in 2026?
• Which rental property HELOC lender was named by the most AI platforms, and does that make it the best choice?
• Which lenders appear on at least two platforms but have the weakest average listed position?

The table below is the ranking authority for this index. Rank, platform mentions, platform share, average listed position, and best position come from the final ranking table and were not recalculated.

Two patterns stand out. First, mention frequency and listed position diverge sharply: TD Bank was named most often but placed fifth on average, while Jaken Finance Group and Figure were named less often but placed first or second on nearly every platform that named them. Second, the bottom half of the table is dominated by specialist and portfolio lenders — Griffin Funding, Quorum, Federal Hill, West Capital Lending, and Spring EQ — which were named by only two platforms each but often ranked highly by those platforms.

Which lender fits your situation?

Questions explored

• Which investment property HELOC lender should a landlord choose if they need a published maximum CLTV on a rental before applying?
• Is a credit union or a specialist lender better for a rental property HELOC when the borrower owns several properties?
• Which lender should an investor choose for a rental HELOC if they want to qualify on rental income rather than personal income?

Different landlords need different things from the same product. The table below maps buyer situations to the ranked entities whose evidence best matches that situation. It does not change the ranking order.

1. TD Bank

Questions explored

• Is TD Bank worth it for a HELOC on a non-owner-occupied rental property, and what are its main drawbacks?
• What should a landlord verify before choosing TD Bank for an investment property HELOC if the rental is outside its 15-state footprint?

TD Bank finished first because it was the only entity named by four of the seven platforms, but the platforms disagreed about almost everything else. OpenAI, Anthropic, Grok, and Perplexity all treated TD as a plausible investment-property HELOC lender; DeepSeek and Kimi could not confirm investment-property eligibility from public sources at all. The result is a top-ranked entity with the weakest average listed position in the top five.

Why it ranked here. TD Bank's rank comes from mention breadth, not from listed position. Its average listed position of 5.25 is the highest (worst) among the top five entities, and its best position was second. It qualified on four platform mentions, the most of any entity in this index.

Best suited for. Landlords with a qualifying 1–4-family investment property inside TD Bank's service footprint who value a revolving line with a reported 10-year draw period and 20-year repayment period, and who are willing to obtain property-specific pricing and confirm investment-property closing costs directly with TD.

Main strengths for the use case. TD publicly presents investment-property HELOC pricing rather than limiting its rate page to primary residences, and its home-equity disclosures define investment occupancy as a property used by others, whether or not rent is received ^[155]. The product is a variable-rate revolving line with a reported 10-year draw period followed by a 20-year repayment period ^[152]. Google's evidence reports that TD generally limits investment-property CLTV to 75% or up to 80% depending on creditworthiness, lower than the 89.99% maximum allowed for primary residences ^[153]. Anthropic reports a fixed-rate conversion option with up to three fixed-rate tranches at a $5,000 minimum per conversion ^[150]. TD's application checklist indicates leases and recent tax returns may be requested to document rental income ^[148].

Main limitations. TD does not publish a rental-specific maximum CLTV, a numeric investment-property rate premium, or portfolio-lending terms. Its public disclosure describes availability for 1–4-family residences and excludes mobile homes, boats, RVs, homes for sale, homes under construction, and homes on leased land ^[152]. Closing costs apply to investment properties even though they are waived for owner-occupied lines under $500,000 ^[161]. Anthropic and Grok both report a 15-state footprint covering Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington D.C. ^[206].

2. Jaken Finance Group

Questions explored

• Is Jaken Finance Group worth it for a rental property HELOC, and what are its main drawbacks?
• Which investment property HELOC lender should a landlord choose if they need a published 80% CLTV on a first-lien rental line?

Jaken Finance Group placed second overall and first or second on every platform that named it, giving it the best average listed position in the index at 1.33. It is the only entity in the top three that publishes specific rental-property CLTV tiers, line caps, and FICO thresholds.

Why it ranked here. Jaken qualified on three platform mentions with an average listed position of 1.33 and a best position of first. Its rank reflects both breadth and consistently high placement.

Best suited for. Landlords with a non-owner-occupied 1–4 unit rental and at least 680 FICO who want revolving access to equity while retaining a low-rate existing first mortgage, and who need a line for staged renovations, reserves, acquisitions, or other business-purpose rental expenses.

Main strengths for the use case. The product is expressly for non-owner-occupied investment property, with published eligible collateral including single-family rentals, townhomes and PUDs, condos, duplexes, and 3–4 unit properties ^[67]. Jaken publishes up to 80% CLTV and a $400,000 maximum line for a first-lien investment-property HELOC, and up to 70% combined CLTV on a second lien with FICO-tiered caps of $200,000 for 680–719 FICO, $275,000 for 720–759 FICO, and $350,000 for 760+ FICO ^[62]. The second-lien structure is designed to let an investor tap equity without refinancing or replacing the existing first mortgage. The company advertises soft-pull prequalification and funding in as few as five business days after notarization for qualified files ^[62]. Google's evidence reports that entity vesting such as LLCs is accommodated with appropriate operating agreements, and that rural and small-town rentals with well and septic systems are explicitly allowed, with acreage capped at 20 acres nationally and 10 acres in Texas ^[59].

Main limitations. Qualification is based on household DTI rather than DSCR, with a maximum DTI of 50% for 1–2 unit properties and 45% for 2–4 unit properties ^[68]. No published rate sheet, index, margin, APR, draw-period term, repayment-period term, or lifetime rate cap was located. Published exclusions include owner-occupied properties, co-ops, manufactured and mobile homes, timeshares, leaseholds, properties with a reverse mortgage, and properties purchased within 90 days ^[67]. Second-lien HELOCs are unavailable in Texas and New York. Kimi could not independently verify the company at all, reporting that no business registrations, regulatory filings, or industry directory listings were found and that the official URL did not resolve to accessible content in its search results ^[229].

Pricing or cost summary. Pricing is quoted per file.

3. Figure

Questions explored

• Is Figure worth it for a HELOC on a non-owner-occupied rental property, and what are its main drawbacks?
• Is Figure or Better Mortgage better for a rental property HELOC when a fast digital closing matters?

Figure placed third with an average listed position of 1.67 and a best position of first. It is the strongest option in this index for investors who prioritize speed and digital processing over published rental-specific pricing.

Why it ranked here. Figure qualified on three platform mentions with an average listed position of 1.67 and a best position of first. It was named by DeepSeek, Google, and Grok.

Best suited for. Owners of eligible single-family, condominium, or qualifying small multifamily rental properties who value online processing, automated valuation, rapid approval, and potentially fast funding, and who have strong credit and substantial equity.

Main strengths for the use case. Figure's public HELOC materials state that eligible collateral may be held solely, jointly, in a revocable trust, or by an LLC ^[117]. An independent broker source reports eligibility for non-owner-occupied single-family, condominium, and multifamily properties, subject to underwriting and property restrictions ^[196]. Figure advertises a 100% online application, approval in as few as five minutes, funding in as few as five days, soft-pull prequalification, and no in-person appraisal for loans under $400,000 ^[117]. Google's evidence reports a maximum CLTV of 80% for investment properties compared with 85% for primary residences, a minimum credit score of 680 for investment properties compared with 640 for primary residences, and a maximum DTI of 45% ^[194]. Figure states that real estate investors can be approved using rental income instead of personal income ^[110].

Main limitations. Figure requires the borrower to draw the full approved amount at closing, with additional draws permitted only as principal is repaid ^[171]. Reported restrictions include no co-borrowers for the referenced option and no third liens for non-owner-occupied properties. Properties purchased in the last 90 days are ineligible, and excluded property types include co-ops, commercially zoned real estate, multifamily real estate, manufactured housing, earth or dome homes, timeshares, log homes, houseboats, and mixed-use properties ^[179]. Figure is not available for properties in New York ^[94]. Anthropic reports a maximum line of $400,000 for amounts under which no appraisal is required, below the $500,000 wholesale market standard ^[162].

Pricing or cost summary. Figure publicly advertises HELOC rates as low as 7.25% APR as of September 24, 2026, but that is not an investment-property-specific quote ^[110]. Independent broker reporting lists possible origination fees of 0%, 0.99%, 1.99%, or 2.99%, with fee-rate tradeoffs ^[196].

4. PenFed Credit Union

Read the full PenFed Credit Union fit review for supporting evidence and buying considerations.

PenFed placed fourth with an average listed position of 2.67 and a best position of first, but it carries the widest evidence conflict in this index. Six of seven platforms rated the fit uncertain, mixed, or unverified; only Google rated it good.

Why it ranked here. PenFed qualified on three platform mentions with an average listed position of 2.67 and a best position of first. It was named by Anthropic, DeepSeek, and Grok.

Best suited for. Borrowers whose property is an owner-occupied residence or second home rather than a non-owner-occupied rental, and borrowers willing to obtain written confirmation from PenFed that a specific one- to four-unit rental is eligible.

Main strengths for the use case. If eligible, PenFed's published HELOC structure includes a 10-year draw period followed by a 20-year repayment period, a variable APR based on prime plus a margin, and fixed-rate advance options ^[131]. Google's evidence reports that PenFed officially offers HELOCs on non-owner-occupied investment properties and second homes, with a maximum CLTV of 80% for non-owner-occupied properties, reduced to 75% in Texas and 70% for 5/5 HELOCs ^[123]. Google also reports that PenFed covers most standard closing costs upfront, subject to recoupment if the line is closed early, and allows up to three fixed-rate advances at a minimum of $10,000 each ^[125].

Main limitations. Anthropic reports that multiple sources indicate PenFed stopped offering HELOCs on rental properties around 2021, though some users report current or recent eligibility, and that NerdWallet's 2026 review mentions second homes without explicitly confirming investment-property status ^[217]. Google reports that borrowers who own four or more properties are ineligible for an investment-property HELOC ^[214]. Anthropic reports an apparent property ownership limit of three to four total properties and a $99 annual fee that is higher than many competitors ^[215]. Texas borrowers face explicit legal complications with non-owner-occupied HELOCs. PenFed's official website content returned non-functional or script-only responses during research, and the official-site retrieval failed with an HTTP 403 response.

Pricing or cost summary. PenFed publishes a variable-rate HELOC based on prime plus a margin, with rates varying by occupancy, CLTV, credit, and other criteria. The advertised rate is not verified for non-owner-occupied rentals. Known costs include a $99 annual HELOC fee subject to stated waiver conditions, appraisal fees averaging approximately $550 to $850, and member responsibility for certain state or local taxes in Florida, Louisiana, Maryland, Minnesota, New York, Tennessee, and Virginia ^[124]. Google reports past borrower reports of a margin of Prime plus 1.5% for non-owner-occupied properties ^[247]. .

5. Better Mortgage Corporation

Read the full Better Mortgage Corporation fit review for supporting evidence and buying considerations.

Better Mortgage placed fifth with an average listed position of 5.67, the weakest average in the top five, but it was named by three platforms and offers the highest advertised line limit in this index.

Why it ranked here. Better qualified on three platform mentions with an average listed position of 5.67 and a best position of second. It was named by Anthropic, DeepSeek, and Perplexity.

Best suited for. Landlords who want a fully online application and a revolving line rather than a cash-out refinance, and borrowers with substantial equity who may benefit from Better's advertised loan limits and maximum LTV.

Main strengths for the use case. Better publicly states that its digital HELOC is available for primary, second, and investment homes ^[7]. Anthropic reports that Better is one of the few nationwide lenders offering HELOCs on investment and non-owner-occupied properties, with loan amounts from $50,000 to $750,000 and no hidden fees ^[17]. Better advertises a three-minute pre-approval without uploading documents or affecting credit score, and funding in as little as seven days ^[17]. Better charges zero lender fees and zero commissions ^[9]. Better states that HELOC interest may be tax-deductible as a business expense on Schedule E when funds are used for rental-related purposes ^[17].

Main limitations. Better requires the borrower to draw at least $50,000 or 75% of the approved credit limit, whichever is greater, at funding ^[202]. This materially reduces flexibility for an investor seeking a small initial draw or an emergency-only line. Better states that its HELOCs are typically variable-rate products and that it does not offer fixed-rate HELOCs ^[12]. Public pages contain inconsistent state-availability language: one page excludes Tennessee, Texas, and Utah, while another says the HELOC is unavailable only in Texas ^[9]. Better advertises access of up to 90% of property value, while its investment-property guide separately describes up to 80% CLTV for investment properties ^[17]. Anthropic reports a Bankrate review noting slow communication and delayed underwriting, with one reviewer describing a near three-week timeline despite timely document submission ^[202].

Pricing or cost summary. Personalized pricing is required. Better does not publicly provide a verified rental-property rate, margin, or complete borrower-specific term sheet. Public materials describe a variable-rate HELOC, advertised loan limits ranging from $15,000 to $750,000 on one page and $50,000 to $500,000 on another, and an advertised maximum property-value access level of up to 90% subject to eligibility ^[9].

6. Griffin Funding

Questions explored

• Is Griffin Funding worth it for a rental property HELOC, and what are its main drawbacks?
• Which investment property HELOC lender should a landlord choose if they want to qualify on rental income rather than personal DTI?

Griffin Funding placed sixth overall but has the second-best average listed position in the index at 1.50, with a best position of first. It is the strongest option for investors who want DSCR-based underwriting.

Why it ranked here. Griffin qualified on two platform mentions with an average listed position of 1.50 and a best position of first. It was named by Anthropic and Kimi. Its lower rank reflects mention count, not placement quality.

Best suited for. Investors who want to preserve a favorable first-mortgage rate rather than refinance the entire property, borrowers who prefer DSCR underwriting based on rental income instead of tax returns, W-2s, or personal debt-to-income calculations, and LLC- or corporation-owned rental properties subject to final underwriting and title requirements.

Main strengths for the use case. Griffin states that the DSCR HELOC qualifies using the property's rental income rather than tax returns, W-2s, pay stubs, or a personal debt-to-income calculation, with a stated minimum DSCR of 1.1 ^[49]. The product is described as a revolving credit line secured by an investment property and intended for rental-property investors, and Griffin states that investment properties titled in an LLC or corporation may qualify ^[49]. Griffin states that the DSCR HELOC has no prepayment penalty and permits redraws as principal is repaid, subject to the line and program terms ^[49]. Google's evidence reports that Griffin allows borrowers to qualify and title the property and HELOC through an LLC or corporation, and that no capital reserves are required for these HELOC programs ^[41]. Anthropic reports that Griffin funded 13 investment-property HELOCs and HELOANs out of 40 total home equity products in June 2026 ^[45].

Main limitations. Griffin's DSCR HELOC page states that the borrower must retain at least 30% equity after the line, implying a maximum combined loan-to-value of approximately 70% ^[49]. The same page separately describes DSCR HELOAN CLTV tiers up to 80%, so the higher figure should not be assumed to apply to the DSCR HELOC. The DSCR HELOC is described as requiring a 720+ credit score and offering a $100,000 to $500,000 revolving line ^[49]. Anthropic reports that Griffin applies location-based pricing adjustments of +0.25% for East Coast and Midwest properties, eroding competitiveness east of the Rockies ^[169]. Griffin does not offer investment rental loans in rural areas ^[184].

7. Quorum Federal Credit Union

Read the full Quorum Federal Credit Union fit review for supporting evidence and buying considerations.

Quorum placed seventh with an average listed position of 3.50 and a best position of first. It is one of the few entities in this index with a purpose-built investment-property HELOC that expressly permits LLC ownership.

Why it ranked here. Quorum qualified on two platform mentions with an average listed position of 3.50 and a best position of first. It was named by Anthropic and OpenAI.

Best suited for. A landlord with a non-owner-occupied 1–4 unit rental, condo, PUD, or townhouse who wants to keep an existing first mortgage and use a second-lien HELOC, and an investor with at least 680 FICO seeking a $50,000–$250,000 second-lien line.

Main strengths for the use case. Quorum states that its Investment Property HELOC is designed for non-owner-occupied 1–4 unit residential properties, condos, PUDs, and townhouses ^[141]. The product is available in second-lien position, allowing the borrower to retain an existing first mortgage rather than refinance it. Quorum publicly states up to 80% CLTV and up to $250,000 for the second-lien option, with a $50,000 minimum line ^[141]. LLC ownership is allowed, subject to establishing a Business Membership Account before closing. Anthropic reports that Quorum allows borrowers to own up to ten total properties combined, including LLC-held properties, and accommodates up to four borrowers per loan ^[88]. The second-lien investment HELOC has a five-year draw period and ten-year repayment period, with interest-only payments during the draw period ^[141].

Main limitations. Second-lien borrowing is capped at $250,000 according to the consumer product page. The variable rate exposes the investor to payment increases, and the current margin is not published for an individual borrower. The product is unavailable in Texas and excludes co-ops ^[141]. Upfront and recurring fees are material for a smaller or lightly used line. The available underwriting matrix is dated September 3, 2024, creating uncertainty about current DSCR, DTI, reserve, property-count, and documentation rules. DeepSeek and Kimi both rated the fit uncertain and could not verify an investment-property HELOC product from public sources. Perplexity reports that Quorum's general second-lien HELOC page says investment properties are not eligible for the standard second-lien HELOC, so the rental use case appears to rely on the dedicated investment-property program rather than the ordinary second-lien product ^[142].

Pricing or cost summary. Quorum's current disclosure states APR as low as 10.125% as of September 17, 2026, subject to change, with a floor of 6.95% and a maximum APR of 18% ^[141].

8. Federal Hill Mortgage Company

Read the full Federal Hill Mortgage Company fit review for supporting evidence and buying considerations.

Federal Hill placed eighth with an average listed position of 3.50 and a best position of third. It is the only entity in this index with a dedicated Texas workaround product for investment properties.

Why it ranked here. Federal Hill qualified on two platform mentions with an average listed position of 3.50 and a best position of third. It was named by OpenAI and Perplexity.

Best suited for. Landlords with a stabilized 1–4 unit rental, townhouse, PUD, or warrantable condominium, borrowers wanting to preserve an existing first-mortgage rate by adding a second-position revolving line, and investors holding the property personally or through an LLC.

Main strengths for the use case. Federal Hill advertises an Investor HELOC specifically for non-owner-occupied properties, including long-term rentals and properties held for appreciation, with eligibility for one- to four-unit residential properties, townhouses, PUDs, and warrantable condominiums [e8:official:C1]. The company advertises up to 80% CLTV including the existing first mortgage, with an example indicating that a $400,000 property with a $200,000 first mortgage could support approximately $120,000 before other underwriting limits. The line may be titled in the borrower's personal name or in the LLC that owns the property, with stated LLC requirements including good standing, organizational documents, operating agreement, personal guaranty, member-level underwriting, and a business deposit account before closing [e8:official:C1]. The advertised structure is a 15-year term with a 5-year draw period followed by a 10-year repayment period, with interest-only payments during the draw period [e8:official:C1]. Federal Hill also advertises a Texas investment-property HELOAN with a fixed rate and a 65% maximum CLTV for investment properties and a 720 minimum credit score ^[34].

Main limitations. The product page states availability in Maryland, Delaware, Pennsylvania, Virginia, Washington D.C., North Carolina, Texas, and Florida, and says home-equity financing is not offered outside those jurisdictions [e8:official:C1]. Advertised line amounts are $50,000 to $250,000, so a property must support at least a $50,000 line. Co-ops, leasehold properties, and manufactured homes are stated to be ineligible. Federal Hill's Investor HELOC page advertises up to 80% CLTV, while its separate Instant HELOC eligibility form lists a 70% maximum CLTV for investment properties ^[30]. No current interest-rate margin, APR, rate floor or ceiling, draw fee, annual fee, closing-cost schedule, or other complete pricing disclosure was located. Kimi rated the fit uncertain and reported that no published CLTV limit, rate information, or fee structure could be found. .

9. West Capital Lending

Questions explored

• Is West Capital Lending worth it for a rental property HELOC, and what are its main drawbacks?
• Which investment property HELOC lender should a landlord choose if they want a broker with multiple investor programs and a digital application?

West Capital Lending placed ninth with an average listed position of 4.00 and a best position of third. It has the widest spread of platform fit ratings in the index, ranging from strong to uncertain.

Why it ranked here. West Capital qualified on two platform mentions with an average listed position of 4.00 and a best position of third. It was named by Grok and Kimi.

Best suited for. Investors who value a broker or lender with multiple investor options and a digital application process, borrowers seeking to preserve an existing first mortgage while adding a second-lien HELOC or home-equity product, and investors with documented rental income, strong credit, adequate equity, and a relatively straightforward residential investment property.

Main strengths for the use case. West Capital's HELOC platform explicitly states that properties may be primary residence, secondary residence, or investment property ^[55]. The company operates as both a direct lender and mortgage broker with access to multiple investor partners, providing portfolio access across 37+ states and 47 states overall ^[250]. Google's evidence reports that the program supports up to a 90% LTV or CLTV ratio when the rental property is titled individually and up to an 80% LTV or CLTV ratio when titled under an LLC, with no in-home physical appraisal required for HELOCs up to $400,000 ^[190]. Investment property HELOCs can fund in as few as three business days because the federal three-day right of rescission does not apply to non-owner-occupied properties ^[83]. Grok reports that the company accepts LLC-titled rentals and offers portfolio HELOCs across multiple investment properties with lines from $100,000 to $3 million ^[252].

Main limitations. West Capital does not disclose specific CLTV limits, maximum loan-to-value ratios, or terms specific to investment properties on its website or in published marketing ^[181]. The company does not post rates online ^[181]. Anthropic reports customer complaints specifically about the HELOC product citing operational delays, undisclosed fees, and misleading representations, including one customer report of an undisclosed acquisition fee approaching $3,000 ^[219]. Anthropic also reports that the company advertises a five-day approval timeline while customer complaints report 18+ days from application to closing ^[160]. The company is not available in New York for online applications ^[83]. DeepSeek rated the fit uncertain and reported that the normalization audit flagged that fetched domains were not corroborated by brand name or site identity metadata ^[100].

10. Spring EQ

Questions explored

• Is Spring EQ worth it for a rental property HELOC, and what are its main drawbacks?
• Which investment property HELOC lender should a landlord choose if they need a second-lien line on a single-unit rental and can accept a mandatory initial draw?

Spring EQ placed tenth with an average listed position of 4.50 and a best position of fourth. It is the only entity in the index whose platforms disagreed on whether the HELOC product itself is available for investment properties.

Why it ranked here. Spring EQ qualified on two platform mentions with an average listed position of 4.50 and a best position of fourth. It was named by Anthropic and DeepSeek.

Best suited for. Owners of eligible single-unit residential investment properties seeking a second-lien HELOC, borrowers with approximately 680+ FICO and enough equity to remain within the investment-property CLTV cap, and investors needing a relatively large line, with published program limits up to $500,000 and total financing limits up to $2 million for investment properties ^[25].

Main strengths for the use case. Spring EQ's published materials expressly include investment properties for its HELOC and other home-equity products ^[77]. The current wholesale product page states that investment-property financing is available, subject to underwriting and property restrictions. Spring EQ's current wholesale guidance lists maximum investment-property CLTV and HCLTV of 80% for FICO 740+ and 70% for FICO 680–739 ^[106]. Google's evidence reports that Spring EQ explicitly allows standalone second-lien HELOCs, both fixed and variable, and home equity loans on non-owner-occupied investment properties, which is a rare offering among national lenders ^[104]. Spring EQ operates in 48 states and Washington D.C. ^[167].

Main limitations. Published product materials require a substantial initial draw, generally the greater of $50,000 or a stated percentage of the approved line, and prohibit additional draws for a period after closing in some program materials ^[205]. Anthropic reports that Spring EQ's HELOC product is limited to primary and secondary residences, making the Home Equity Loan product the primary investment-property option ^[175]. Anthropic also reports a minimum 680 FICO for investment properties, single-unit properties only, a minimum six-month ownership requirement, and a limit of 10 financed properties ^[167]. Published fees include an administration fee up to $999 and a $99 annual maintenance fee on HELOC products ^[205]. Spring EQ is not available in Alaska, Hawaii, Idaho, Massachusetts, Missouri, North Dakota, New York, South Dakota, West Virginia, or Wyoming ^[175]. Kimi rated the fit uncertain and reported that no verified public source confirms a specific investment-property HELOC product with disclosed non-owner-occupied terms.

Pricing or cost summary. Exact consumer pricing for an investment-property HELOC was not published in the sources reviewed.

What this study reveals

Questions explored

• What does the AI consensus reveal about how hard it is to find a rental property HELOC lender with published terms?
• Which investment property HELOC lenders publish rental-specific CLTV limits, and which do not?

Three structural findings emerge from the ten entity evidence bundles.

First, published rental-specific terms are rare. Of the ten qualifying entities, only Jaken Finance Group, Quorum Federal Credit Union, Federal Hill Mortgage Company, and Spring EQ published a rental-specific maximum CLTV in the reviewed materials. TD Bank, Figure, PenFed, Better Mortgage, Griffin Funding, and West Capital Lending either published no rental-specific CLTV or published conflicting figures across their own pages.

Second, the market splits into three lender types. National banks and digital lenders — TD Bank, Figure, and Better Mortgage — offer broad availability but limited rental-specific disclosure. Credit unions — PenFed and Quorum — offer published structures but geographic or property-count limits. Specialist and portfolio lenders — Jaken Finance Group, Griffin Funding, Federal Hill, West Capital Lending, and Spring EQ — offer the most rental-specific terms but the narrowest geographic footprints and the least independent verification.

Third, portfolio lending for multiple rental properties under one facility is essentially absent from the reviewed evidence. No entity in this index was confirmed to offer a cross-collateralized portfolio HELOC secured by multiple rentals.

Where the AI Platforms Agreed

Questions explored

• Which rental property HELOC lenders did all seven AI platforms agree are relevant for non-owner-occupied properties?

Agreement was narrow but real in four areas.

The platforms broadly agreed that investment-property HELOCs are a niche product with limited lender availability. Anthropic's evidence describes the segment as a narrow lane where only a smaller subset of institutions will extend HELOCs to rental or non-owner-occupied homes ^[189]. Kimi's evidence describes investment property HELOCs as offered by fewer lenders than primary residence HELOCs, with limited availability making shopping difficult ^[17].

The platforms agreed that non-owner-occupied HELOCs carry a rate premium over primary-residence pricing. Anthropic reports industry benchmarks of prime plus 0.50% to prime plus 2.00%, roughly 7.25% to 8.75% APR with prime at 6.75% ^[187]. Grok reports a typical premium of 0.5 to 2 percentage points ^[222]. Kimi reports a typical premium of 0.5% to 1% above primary residence rates ^[17].

The platforms agreed that investment-property CLTV ceilings are lower than owner-occupied ceilings. Anthropic reports industry norms of 70% to 80% CLTV for investment-property HELOCs versus 85% to 90% for owner-occupied ^[222]. Google reports that TD generally limits investment-property CLTV to 75% or up to 80%, lower than the 89.99% maximum for primary residences ^[153]. .

Where the AI Platforms Disagreed

Questions explored

• Why do AI platforms disagree about whether some lenders offer rental property HELOCs at all?
• Which rental property HELOC lender has the most conflicting published CLTV figures across AI platforms?

Disagreement was more common than agreement, and it clustered in five areas.

Whether the product exists. For PenFed, Anthropic cites 2023 forum reports that the rental HELOC program stopped in 2021, Google cites public documentation confirming current availability, and Kimi reports that no source in its results mentioned PenFed offering HELOCs on non-owner-occupied properties. For Spring EQ, Anthropic reports that HELOCs are limited to primary and secondary residences while OpenAI, Grok, Perplexity, and Google describe an investment-property HELOC. For Griffin Funding, OpenAI, Grok, Perplexity, and Google describe a DSCR HELOC with published parameters, while DeepSeek and Kimi could not verify the product.

Maximum CLTV. TD Bank's rental CLTV is reported as 75% to 80% by Google and as unpublished by OpenAI, Anthropic, DeepSeek, Grok, Kimi, and Perplexity. Quorum's is reported as 80% by OpenAI and Anthropic, as 1–2 unit only by Perplexity, and as potentially up to 95% through broker channels by Google. West Capital Lending's is reported as up to 90% by Google, up to 80% by Grok, and as conflicting between 70% and 80% by Perplexity.

Rate premium. No platform published a lender-specific numeric investment-property rate premium for any entity in this index.

How to compare your options

Questions explored

• What should a buyer check before choosing an investment property HELOC lender for a non-owner-occupied rental?
• Which rental property HELOC lender should a landlord choose if they need written confirmation of CLTV, rate premium, and fees before applying?

The ranking table tells a buyer which lenders the AI platforms named most often. It does not tell a buyer which lender will approve a specific rental property at a specific price. Four steps close that gap.

Step 1: Confirm rental eligibility in writing. For TD Bank, PenFed, Figure, Better Mortgage, and West Capital Lending, the reviewed evidence does not establish a rental-specific maximum CLTV. Ask for written confirmation that the specific property type, unit count, state, ownership structure, and tenancy arrangement qualify.

Step 2: Get the rental-specific CLTV in writing. Jaken Finance Group publishes 80% first-lien and 70% second-lien CLTV ^[62]. Quorum publishes 80% CLTV with a $250,000 second-lien cap ^[141]. Federal Hill advertises 80% CLTV but its own Instant HELOC form lists 70% for investment properties ^[30]. Spring EQ publishes 80% at FICO 740+ and 70% at FICO 680–739 ^[106]. For every other entity, the applicable CLTV must be confirmed in a written term sheet.

Step 3: Ask for the rate premium in basis points. No entity in this index published a lender-specific numeric investment-property rate premium.

Methodology

This index was built from a single standardized prompt sent once to each of seven AI platforms on 2026-09-29. The prompt asked which providers would consider a HELOC on a non-owner-occupied rental property, what CLTV limits and rate premiums apply, and whether portfolio lending options exist.

The seven platforms included in this run were ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini. The configured platform count of 7 is provenance metadata and is not a separate measure of the number of platforms studied.

Thirty-eight unique entities were named across the seven platform responses. Ten entities qualified for the final ranking by being named by at least two platforms. The ranking order was determined by platform mentions first, then average listed rank, then best listed rank. The final ranking table is the sole authority for rank, platform mentions, platform share, average rank, and best rank. No value in this article was recalculated.

Platform mentions count only ranking-discovery mentions. They do not reflect how many platforms later completed a fit assessment. All included platforms evaluated fit, but only the platforms that named an entity during ranking discovery are counted in its mention total.

Each entity's evidence bundle was treated as the authority for buyer fit, features, pricing, strengths, limitations, disagreements, and citations. Citation IDs are namespaced to the entity and platform that produced them and were not transferred between entities.

Research limitations

Several limitations apply to every finding in this article.

One prompt, one run. The study used one standardized prompt sent once to each included platform. AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved. A different prompt or a different day could produce a different ranking.

Platform-reported dates differ from the run date. The authoritative research date for this study is 2026-09-29. Platform-reported research dates differ: DeepSeek reported 2026-02-14 for TD Bank, Jaken Finance Group, Griffin Funding, and West Capital Lending; 2026-06-12 for Figure; 2026-06-16 for PenFed; 2026-06-11 for Quorum and Spring EQ; and 2026-06-10 for Better Mortgage. Anthropic reported 2026-01-09 for PenFed and 2026-01-15 for Quorum. These dates are provenance metadata and do not independently prove freshness.

Citations are platform-reported evidence, not verified facts. No citation in this index was independently verified by the writer stage. The supplied URLs were collected from platform responses and were not independently validated.

Company-owned sources materially outnumber independent sources for several entities. For Jaken Finance Group, 19 of 23 deduplicated citations are company-owned. For Quorum, 25 of 28 are company-owned. For Federal Hill, 13 of 14 are company-owned. For Griffin Funding, 18 of 24 are company-owned. Company claims in those bundles should not be described as independently verified.

Official-site retrieval failed or was not verified for several entities. TD Bank's official page retrieval returned unavailable.

The consensus assessment

TD Bank is the consensus leader by mention breadth, named by four of seven platforms, but it is not the strongest fit on the evidence. Its average listed position of 5.25 is the weakest in the top five, and it publishes no rental-specific maximum CLTV, no numeric investment-property rate premium, and no portfolio-lending terms.

Jaken Finance Group and Figure are the strongest alternatives for distinct buyer needs. Jaken publishes the most specific rental-property terms in the index — 80% first-lien CLTV, 70% second-lien CLTV, FICO-tiered line caps, and a 680 minimum FICO — but its pricing is quoted per file and its qualification is based on household DTI rather than DSCR. Figure offers the fastest digital process and LLC eligibility but requires a full initial draw at closing and caps investment-property lines at $400,000.

For buyers with specific constraints, the evidence points elsewhere. Griffin Funding is the strongest option for DSCR-based qualification on rental income. Quorum Federal Credit Union is the strongest option for a $50,000–$250,000 second-lien line with LLC ownership. Federal Hill Mortgage Company is the only entity with a dedicated Texas workaround. Spring EQ offers the highest published CLTV tier at 80% for FICO 740+ but requires a substantial initial draw.

No entity in this index was confirmed to offer a cross-collateralized portfolio HELOC secured by multiple rental properties. Buyers who need that structure should look beyond this list.

Frequently Asked Questions

Which lender is best for a HELOC on a non-owner-occupied rental property? TD Bank ranked first because four of seven platforms named it, but its average listed position was 5.25. Jaken Finance Group and Figure have the best average listed positions at 1.33 and 1.67. The best choice depends on whether the buyer needs published rental CLTV limits, a fast digital process, DSCR underwriting, or LLC titling.

Do any lenders in this index publish a rental-specific maximum CLTV? Yes. Jaken Finance Group publishes up to 80% CLTV on a first-lien investment-property HELOC and up to 70% combined CLTV on a second lien ^[62]. Quorum publishes up to 80% CLTV with a $250,000 second-lien cap ^[141]. Federal Hill advertises 80% CLTV but its Instant HELOC form lists 70% for investment properties ^[30]. Spring EQ publishes 80% at FICO 740+ and 70% at FICO 680–739 ^[106].

What rate premium applies to a non-owner-occupied HELOC? No entity in this index published a lender-specific numeric investment-property rate premium. Industry benchmarks reported by the platforms range from 0.5% to 2.5% above primary-residence pricing. Google reports that TD's lowest advertised variable APRs for investment properties can be up to 2 percentage points higher than primary-residence pricing ^[198]. .

Sources used in this study

Company-Owned Sources

1. Quorum’s Investment HELOC Underwriting Standards and Product Matrix: https://3851812.fs1.hubspotusercontent-na1.net/hubfs/3851812/B2B%20HELOC%202024/HELOC%20Rate%20Sheets/September%203%2C%202024/Investment%20HELOC-09.03.24.pdf
2. Quorum’s HELOC Product Snapshot: https://3851812.fs1.hubspotusercontent-na1.net/hubfs/3851812/B2B%20HELOC/HELOC%20Rate%20Sheets/2025/June%209%2C%202025/Loan%20Product%20Comparison%20Chart%2006.09.25.pdf
3. ActiveHELOANMatrices.pdf: https://6059604.fs1.hubspotusercontent-na1.net/hubfs/6059604/Product%20Matrices/ActiveHELOANMatrices.pdf
4. Rental Property Refinance & Cash-Out Loans | Abo Capital: https://abocapital.com/rental-property-refinance/
5. Home Equity Lending Matrices (HELOC): https://assets.springeq.com/img/ActiveWholesaleMatrices.pdf
6. Better Mortgage — official website: https://better.com
7. HELOC: https://better.com/b/b-better-heloc
8. HELOC: https://better.com/b/better-heloc
9. Better Home Equity Line of Credit: https://better.com/b/google-heloc
10. Better Home Equity Line of Credit: https://better.com/b/heloc
11. Better Home Equity Line of Credit: https://better.com/b/heloc-01
12. HELOC Rates: https://better.com/b/heloc-rates
13. HELOC: https://better.com/b/heloc-ret
14. Better Home Equity Line of Credit Page: https://better.com/b/home-equity-line-of-credit
15. Better HELOC | Home Equity Line of Credit: https://better.com/b/props-qb-heloc
16. Better HELOC vs other lenders: Higher limits, lower credit ...: https://better.com/content/better-heloc-vs-other-lenders
17. HELOC on investment property: smart guide for real estate investors: https://better.com/content/heloc-on-investment-property
18. Is Better a good lender for a HELOC?: https://better.com/content/is-better-a-good-heloc-lender
19. Better HELOC Application Rules: https://better.com/heloc
20. Better Home Equity Line of Credit: https://better.com/home-equity-line-of-credit
21. HELOC - Better Mortgage: https://better.com/with/heloc
22. Investment Property HELOC: LLC OK, No Appraisal Under $400K: https://chadinvestorlending.com/heloc-investment-property
23. Home Equity Products – HELOAN & HELOC - Spring EQ Correspondent: https://correspondent.springeq.com/home-equity-products-heloan-heloc
24. Home Equity Products – HELOAN & HELOC, Release Date: 7/1/2026: https://correspondent.springeq.com/hubfs/Wholesale%20File%20Transfer/Correspondent/ActiveDelegatedMatrices.pdf
25. Spring EQ Correspondent Home Equity Product Comparison: https://correspondent.springeq.com/hubfs/Wholesale%20File%20Transfer/Correspondent/Spring%20EQ%20Correspondent%20Product%20Comparison.pdf
26. DSCR HELOCs: Access Rental Property Equity Without Tax Returns: https://dscrdirect.net/learn/dscr-heloc-investment-property
27. Griffin Funding, Inc. - HELOC: https://fastcash.griffinfunding.com/
28. Home Equity Line of Credit (HELOC): https://federalhillmortgage.com/home-equity-line-of-credit/
29. Home Equity Solutions: https://federalhillmortgage.com/home-equity/
30. Instant HELOC Eligibility Form: https://federalhillmortgage.com/instant-heloc-form/
31. Investment Property HELOC | Rentals & LLC-Owned | Up to 80%: https://federalhillmortgage.com/investor-heloc/
32. HELOC for Investment Property: Smart Strategies for Real Estate Investors: https://federalhillmortgage.com/learn/heloc-for-investment-property-smart-strategies-for-real-estate-investors/
33. Investor Loans: https://federalhillmortgage.com/mortgages/investment-property-loans/
34. Texas Investment Property HELOAN | Fixed-Rate 2nd Mortgage: https://federalhillmortgage.com/texas-investment-property-heloan/
35. Texas Investment Property HELOAN | Fixed-Rate 2nd Mortgage: https://federalhillmortgage.com/wp-content/uploads/2023/09/cropped-FAVICON.png
36. Home Equity Solutions | Federal Hill Mortgage: https://federalhillmortgage.com/wp-content/uploads/72facaa0ef9.png
37. Investment Property HELOC | Rentals & LLC-Owned | Up to 80% - Federal Hill Mortgage: https://federalhillmortgage.com/wp-content/uploads/HELOC_Hero_Desktop_Low.jpg
38. Griffin Funding: Mortgage & Home Loan Lender | Griffin Funding: https://griffinfunding.com/
39. Best DSCR Lenders: Griffin Funding vs Angel Oak vs Kiavi vs Visio vs Lima One vs Easy Street: https://griffinfunding.com/blog/mortgage/best-dscr-lenders-griffin-funding-vs-angel-oak-vs-kiavi-vs-visio-vs-lima-one/
40. Home Equity Loan & HELOC Requirements for 2026 | Griffin Funding: https://griffinfunding.com/blog/mortgage/home-equity-loan-requirements-what-you-need-to-qualify/
41. DSCR HELOANs and DSCR HELOCs: Home Equity for Investment Properties: https://griffinfunding.com/dscr-loan/dscr-heloc-heloan/
42. Griffin Funding — DSCR Loans: https://griffinfunding.com/dscr-loans/
43. Florida DSCR Loans: 2026 Requirements, Rates & Markets: https://griffinfunding.com/florida-mortgage-lender/dscr-loans-florida/
44. Home Equity Line of Credit (HELOC) - Griffin Funding: https://griffinfunding.com/heloc/
45. Home Equity Loans & Lines of Credit | Griffin Funding: https://griffinfunding.com/home-equity/
46. Griffin Funding — Investment Property Loans: https://griffinfunding.com/investment-property-loans/
47. Non-QM Loans: Explore Non-Qualified Mortgage Programs ...: https://griffinfunding.com/non-qm-mortgages/
48. DSCR Cash-Out Refinance Loans for Investment Properties | Griffin Funding: https://griffinfunding.com/non-qm-mortgages/dscr-cash-out-refinance-loans/
49. DSCR HELOAN & DSCR HELOC for Investment Properties: https://griffinfunding.com/non-qm-mortgages/dscr-heloans/
50. DSCR Loans 2026: Buy & Refinance Rental Properties | Griffin Funding: https://griffinfunding.com/non-qm-mortgages/dscr-loans/
51. First-Lien HELOC: https://griffinfunding.com/non-qm-mortgages/first-lien-heloc/
52. Fixed-Rate Home Equity Line of Credit (HELOC): https://griffinfunding.com/non-qm-mortgages/fixed-rate-heloc/
53. Home Equity Line of Credit (HELOC) | Griffin Funding: https://griffinfunding.com/non-qm-mortgages/heloc/
54. Official pricing and terms source: https://griffinfunding.com/terms-of-use/
55. WCL - West Capital Lending: https://heloc.westcapitallending.com/
56. WCL | Home Equity Line of Credit Application - West Capital Lending: https://heloc.westcapitallending.com/_astro/properties.BLAgO2DY.svg
57. HELOC and Home Equity Loan FAQs: https://home.penfed.org/mortgage/article/heloc-and-home-equity-loan-faqs
58. Better Launches Home Equity Loans: Offers Flexible Solutions to Homeowners Interested in Accessing Home Equity as Cash: https://investors.better.com/news/news-details/2024/Better-Launches-Home-Equity-Loans-Offers-Flexible-Solutions-to-Homeowners-Interested-in-Accessing-Home-Equity-as-Cash/default.aspx
59. Hard Money, Fix-and-Flip, DSCR & Commercial Loans for Investors: https://jakenfinancegroup.com/
60. About Our Investor Lending Team | Jaken Finance Group: https://jakenfinancegroup.com/about/
61. Mastering Buy-and-Hold Real Estate Investment Strategy: https://jakenfinancegroup.com/blog/buying-and-holding-real-estate/
62. Jaken Finance Group Launches Investment Property HELOC: https://jakenfinancegroup.com/blog/jaken-launches-investment-property-heloc/
63. Commercial Lending Pennsylvania | Jaken Finance Group: https://jakenfinancegroup.com/commercial-lending-pennsylvania/
64. DSCR Loans Illinois | Jaken Finance Group: https://jakenfinancegroup.com/dscr-loans-illinois/
65. DSCR Loans for Real Estate Investors — Nationwide: https://jakenfinancegroup.com/dscr-loans/
66. Real Estate Investor Financing FAQs | Jaken Finance Group: https://jakenfinancegroup.com/faqs/
67. Investment Property HELOC — Revolving Equity on Rentals: https://jakenfinancegroup.com/investment-property-heloc-loans/
68. Investment Property HELOC Requirements — Eligibility Guide: https://jakenfinancegroup.com/investment-property-heloc-requirements/
69. How Avm And Bpo Replace A...: https://jakenfinancegroup.com/no-appraisal-heloc-investment-property/
70. Jaken Finance Group — Investor & Partner Programs: https://jakenfinancegroup.com/programs.pdf
71. Lending Parameters - Real Estate Financing: https://jakenfinancegroup.com/real-estate-financing-solutions-loan-options/
72. Get Approved — What's Your Deal? | Jaken Finance Group: https://jakenfinancegroup.com/scenario/
73. Official pricing and terms source: https://jakenfinancegroup.com/terms-of-service/
74. HELOC On An Investment Property | Non-Owner-Occupied: https://jd.mortgage/lightning-equity-heloc-investment-property/
75. Initial HELOC Disclosures: https://media.better.com/pdfs/initial-heloc-disclosures.pdf
76. Spring EQ Fixed-Rate HELOC: Unlock Your Home Equity: https://mortgage.springeq.com/fixed-rate-heloc
77. Spring EQ Home Equity Solutions: https://mortgage.springeq.com/heloc-search
78. Spring EQ Home Equity Loan: Access Cash Upfront: https://mortgage.springeq.com/home-equity-loan
79. Home Equity Wholesale Product Comparison Wholesale Lending 04.24.2024: https://mortgage.springeq.com/hubfs/Wholesale%20File%20Transfer/2022_website_files/Spring%20EQ%20Wholesale%20Product%20Overview.pdf
80. Home Equity Products – HELOAN & HELOC: https://mortgage.springeq.com/hubfs/Wholesale%20File%20Transfer/Correspondent/ActiveDelegatedMatrices.pdf?hsLang=en
81. Spring EQ Home Equity Lending Matrices: https://mortgage.springeq.com/hubfs/Wholesale%20File%20Transfer/Product%20Matrices/ActiveHELOCMatrices.pdf
82. Home Equity Lending Matrices HELOC - Home Equity Line of Credit: https://mortgage.springeq.com/hubfs/Wholesale%20File%20Transfer/Product%20Matrices/ActiveHELOCMatrices.pdf?hsCtaTracking=cd9dfa41-1e77-4dcd-9522-b835e29cca8d%7C9f362d81-a5bb-4cd2-9190-e24a5b0979cd
83. West Capital Lending - HELOC: https://nftydoor-core-public-images-dev.s3.amazonaws.com/private-label/test.homeequity.westcapitallending.com/677bbe07-58c1-41f5-a4dc-20ebe394340b.png
84. DSCR Cash-Out Refinance: LTV & Seasoning: https://onemoredoor.com/dscr-loans/cash-out-refinance
85. First Lien HELOC | Quorum Specialty Lending: https://partners.quorumfcu.org/first-lien-heloc
86. Second-Lien-Investment.pdf: https://partners.quorumfcu.org/hubfs/B2B-HELOC/HELOC%20Rate%20Sheets/2025/Second-Lien-Investment.pdf?hsLang=en
87. Quorum's HELOC Product Snapshot (Loan Product Comparison Chart 07.01.26): https://partners.quorumfcu.org/hubfs/B2B-HELOC/HELOC-Rate-Sheets/2026/July%201,%202026/Loan%20Product%20Comparison%20Chart%2007.01.26.pdf
88. UNDERWRITING STANDARDS AND PRODUCT MATRIX Quorum's Second Lien Investment - For Mortgage Professional Use Only: https://partners.quorumfcu.org/hubfs/B2B-HELOC/HELOC-Rate-Sheets/2026/July%201,%202026/Second%20Lien%20Investment%2007.01.26.pdf
89. Quorum's HELOC Express (2nd Lien) - Underwriting Standards: https://partners.quorumfcu.org/hubfs/HELOC_Express_2nd_Lien_Guidelines.pdf
90. PenFed Credit Union official website: https://penfed.org/
91. Investor CreditLine: https://qual-cap.com/investor-creditline
92. Stop Paying Banks to Access Your Airbnb's Equity: https://refiairbnb.com/
93. DSCR Loans for Airbnb & Long-Term Rentals: https://refiairbnb.com/dscr-rental-loans
94. Figure - Fast, Easy Online HELOC Lender: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQE7XM_XjhM-AeSrJYkbe_vlTx0tko5ajAEWJpkwfcPtQizxsJOLGAVD53gIWSSIpzRJcMCR-b1q8PYvjg8NernrVJZ1lJDVEN6nsEUAxw==
95. Apply in 5 minutes, receive funding in 5 days 3 - Figure: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQErc8DdOkTn96vnA3yx8zPne2FqcpZ6mDHNp_6kxG4aUngBIrZJ6La0NOG5Gx_-2RUcUBg1dY2P_AKGIZIniD-k2PA-PNZptA5XkYOdpBZcsufnAvZdQYjroMg313zzN9LIwQM9
96. Home Equity Line of Credit (HELOC) FAQs - Figure: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQFxFW9ls6W380wa2NUM3LxZXYzRJEO0EYW6qsCBZ2uhdXvQs9YKTrsPW3fpJToW5D-H8sTYRIT_vS9QRRmhP7vZsr0NOR9-_38SRiViIbPL3Dyl3eGdfo5Fzzrj8y9MNWnEqwI=
97. Home Equity Line of Credit (HELOC) - Apply Online in Minutes - Figure: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGEq5VRSdj1HN8P_QQfHkjqZ-xkYzWnvHhfnyqEMS6c8cfrM4Bis0gGKLPOArapG78u2e1BsqF-YbmTg3JUlY8HgK0hisTLeSqp-uCsKCVS5OlxpQmYuH_Foplk319-
98. How to Calculate Home Equity: A Step-by-Step Guide - Figure: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQGwKOtOdPkUF07hcgXEKKMbnvjYqoB4ge18y7YC-BefGmq_yBEA-4m8HbFlyZ3n0x7mEXOBF585A_wwDlLrH9tG5uQLiAq-Z0gJTtfOG22c1GpaOFDN2sw381iCwWHUJGC6JFmQz_rhw1LfEU6UoOQFz5awrw==
99. Home Equity Line of Credit (HELOC) FAQs - Figure: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHUfjg1uNPKtRuRZ2T_p0C87Zp8d_7YlD9dSyOS13TLSZSCYvx-C8TUyp-0b9nuKN9UfPAotRFJVetVU6SBWfVD5AFrfWh81Vz1s_6Mxq7STWG2Ri-ftHSACiNr3NHTtWGkp2E=
100. West Capital Lending official website: https://westcapitallending.com
101. West Capital Lending - Mortgage Loans Made Simple: https://westcapitallending.com/lp
102. West Capital Lending loan officer disclosures: https://westcapitallending.com/team/Sergio-tapia
103. West Capital Lending loan officer HELOC information: https://westcapitallending.com/team/Youthana-Hoang
104. rates, fees, products + guidelines - Spring EQ Wholesale: https://wholesale.springeq.com/
105. Products: HELOC FIXLINE HELOAN - Spring EQ Wholesale: https://wholesale.springeq.com/hubfs/Wholesale%20File%20Transfer/2022_website_files/Active_Spring%20EQ%20Wholesale%20Product%20Comparison.pdf
106. Max CLTV based on FICO and Occupancy Type: https://wholesale.springeq.com/knowledge-base/fico-/-cltv-hcltv-/-occupancy-maximums
107. Maximum Total Financing: https://wholesale.springeq.com/knowledge-base/maximum-total-financing
108. rates, fees, products + guidelines - Spring EQ Wholesale: https://wholesale.springeq.com/ratesfeesguides
109. Home Equity Line of Credit for STR Investing | BNB Lending: https://www.bnb-lending.com/heloc
110. Figure - Finance, without the friction: https://www.figure.com/
111. About Figure: https://www.figure.com/about/
112. FAQs: Loan Officers - Figure: https://www.figure.com/blog/faqs-loan-officers/
113. How a Figure home equity line works: https://www.figure.com/blog/how-a-figure-home-equity-line-works/
114. Figure HELOC FAQs: https://www.figure.com/faq/
115. Figure Home Equity Line of Credit – Investment Property: https://www.figure.com/home-equity-line-of-credit/
116. Figure HELOC Features: https://www.figure.com/home-equity-line-of-credit/features/
117. Home Equity Line of Credit (HELOC) - Apply Online in Minutes: https://www.figure.com/home-equity-line/
118. Figure HELOC Rates and Fees: https://www.figure.com/rates/
119. West Capital Lending - HELOC: https://www.homeequity.westcapitallending.com/
120. Cash-Out Refi vs HELOC vs DSCR Loan: Full Breakdown | Lendmire: https://www.lendmire.com/cash-out-refinance-vs-heloc-vs-dscr-loan/
121. West Capital Lending | LinkedIn: https://www.linkedin.com/company/west-capital-lending-inc
122. Cash-Out Refinance vs. HELOC on an Investment Property | Lower Mortgage: https://www.lower.com/mortgages/cash-out-refinance-vs-heloc-for-investment-property
123. Form 1374 Mortgage Subordination Agreement Requirements: https://www.penfed.org/content/dam/penfed/general/pdf/mortgage/Form-1374.pdf
124. Service & Origination Fees: https://www.penfed.org/content/dam/penfedbtp/pdfs/servicefees.pdf?calculator=mmc-calculator
125. Home Equity Line of Credit (HELOC) & Today's Rates: https://www.penfed.org/home-equity/heloc
126. Home Loans and Mortgages | HELOC, Refinance, FHA and Conventional Loans | PenFed: https://www.penfed.org/mortgage
127. Home Equity Loan Or Heloc...: https://www.penfed.org/mortgage/article/8-things-not-to-use-a-heloc-for
128. HELOC and Home Equity Loan FAQs - PenFed Credit Union: https://www.penfed.org/mortgage/article/heloc-and-home-equity-loan-faqs
129. What is a HELOC? - PenFed Credit Union: https://www.penfed.org/mortgage/article/heloc-infographic
130. HELOC Requirements and Guidelines: https://www.penfed.org/mortgage/article/heloc-requirements-and-guidelines
131. Home Equity Line of Credit (HELOC) & Today's Rates: https://www.penfed.org/mortgage/heloc
132. Quorum Federal Credit Union – Home Equity / HELOC: https://www.quorumfcu.org
133. Investment Property HELOC - Quorum Federal Credit Union: https://www.quorumfcu.org/borrow/helocs/investment-property-heloc
134. Investment Property HELOC FAQs - Quorum Federal Credit Union: https://www.quorumfcu.org/borrow/helocs/investment-property-heloc#faqs
135. Traditional HELOCs: Access Your Home Equity - Quorum Federal Credit Union: https://www.quorumfcu.org/borrow/helocs/traditional-heloc
136. Fee Schedule | Quorum Federal Credit Union: https://www.quorumfcu.org/fees
137. Second Lien Investment HELOC Product Features: https://www.quorumfcu.org/hubfs/B2B%20HELOC/HELOC%20Rate%20Sheets/2025/November%201,%202025/Second%20Lien%20Investment%20110125.pdf?hsLang=en
138. Investment Property HELOCs Are Becoming More Relevant: https://www.quorumfcu.org/learn/investment-property-perspective
139. First Lien HELOC - Quorum Federal Credit Union: https://www.quorumfcu.org/lending/homeequity/first-lien-heloc/
140. Home Equity Loans & HELOCs | Apply Online With Quorum: https://www.quorumfcu.org/loans/home-equity
141. Investment Property HELOC | Quorum: https://www.quorumfcu.org/loans/investment-property-heloc
142. Traditional HELOCs: Access Your Home Equity | Quorum: https://www.quorumfcu.org/loans/traditional-helocs
143. High-Yield Savings, Term Rates & More - Quorum Federal Credit Union: https://www.quorumfcu.org/rates
144. Spring EQ — Home Equity / HELOC: https://www.springeq.com/
145. Understanding CLTV - How Much Cash Can You Access? - Spring EQ: https://www.springeq.com/blog/understanding-cltv-how-much-cash-can-you-access/
146. Spring EQ — HELOC Rates and Terms: https://www.springeq.com/heloc
147. Official pricing and terms source: https://www.springeq.com/terms-of-use
148. Home Equity Lending Application Checklist: https://www.td.com/content/dam/tdb/document/pdf/personal-banking/home-equity-expect-checklist-en.pdf
149. Commercial Real Estate Loans, Lines & Letters of Credit | TD Bank: https://www.td.com/us/commercial-banking/financing/real-estate
150. real estate financing: https://www.td.com/us/en/investing/real-estate-financing
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254. California Investment Property HELOCs: Tap Equity in Your Rentals: https://timpopploans.com/california-investment-property-helocs-tap-equity-in-your-rentals/
255. Digital HELOC Equity Loans: Digital HELOC by West Capital Lending: https://www.digitalcashfast.com/
256. Spring EQ Adds Fixed-Rate HELOC to Home Equity Suite of Loan Products: https://www.einpresswire.com/article/721249422/spring-eq-adds-fixed-rate-heloc-to-home-equity-suite-of-loan-products
257. Fast HELOC - Close in 5 Days: https://www.fastheloc.com/ Explore more home equity loan and heloc lenders guidance in the category directory.