Access Equity from Your Texas Investment Property Without a HELOC or Refinancing
HELOCs are still off-limits in Texas for investment properties, but this isn’t a HELOC. It’s a fixed-rate HELOAN (Home Equity Loan) designed specifically for investors like you.
Whether you want to access equity for improvements, new acquisitions, or just unlock trapped capital, this new product offers a smarter way forward.
Fill out the short form below to check eligibility.
Important: This is not a HELOC. This is a lump-sum, fixed-rate second mortgage. Available for second homes and investment properties in Texas only. Not available for primary residences. Minimum credit score of 720 required.
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How This Texas HELOAN Stands Out
A fixed-rate, second-position mortgage designed for real estate investors.
We designed this product to work where HELOCs can’t. That means fixed payments, no rate shocks, and no Texas constitutional limitations on investment properties.
- Fixed-rate, 15- or 30-year terms
- Loans from $150,000 to $1,000,000
- Available for investment properties and second homes
- Close in your LLC
- No prepayment penalty
- Minimum 720 credit score
- Max CLTV: 65% for investment properties, 75% for second homes
- DSCR eligible (for rental-based qualification)
| Loan Type: | Second-position fixed-rate HELOAN |
| Loan Amount: | $150K – $1M |
| Term Options: | 15 or 30 years (fixed) |
| Eligible Properties: | Texas investment properties and second homes |
| Max CLTV: | 65% (investment), 75% (second home) |
| Min Credit Score: | 720+ |
| LLC Closings: | Allowed (with documentation) |
| Occupancy Restrictions: | Not available for primary residences |
| Prepayment Penalty: | None |
| Income Types Accepted: | Full Doc, DSCR, Bank Statement, 1099 |
