Turn Your Home Equity Into Your Next Investment
The equity you've built in your home may be able to help you purchase an investment property without selling investments or refinancing your existing first mortgage.
We'll help you determine how much equity you can comfortably access, explore the financing options for your new property, and build a strategy that makes sense for your investment goals.
Put the equity you already own to work building your next asset.
Use the Equity You Have to Buy the Property You Want
Your existing home equity can potentially provide the capital for your next purchase, while separate financing is used to acquire the investment property.
1. Access Your Existing Equity
Use a HELOC or second mortgage to access available equity while keeping your current first mortgage in place.
2. Put That Equity Toward Your Purchase
Use the available funds toward the down payment, closing costs, reserves, or other eligible costs for the investment property.
3. Finance the New Investment Property
We'll help structure the financing for the new property around the investment and your overall financial picture.
One coordinated strategy. From accessing your equity to financing your next investment.
Your Investment May Help You Qualify
Buying an investment property can involve a different set of financing options than buying a primary residence. In some cases, the property's expected rental income and cash flow may play an important role in qualifying.
Traditional Financing
Qualify using your income, assets, credit, and the expected rental income from the property.
Investment Property Cash Flow
Loan programs are available that qualify primarily based on the property's expected rental income vs rather than your personal income.
More Complex Investors
Own multiple properties, have significant write offs, or earn income that doesn't fit neatly on a tax return? We can explore additional qualification strategies.
A traditional mortgage isn't the only way to finance an investment property. We'll help you explore the options that fit both you and the property.
It Starts With the Investment, Not the Loan
Access to equity can create opportunity, but that doesn't automatically make every investment a good one. The financing should support the investment, not drive the decision.
How Much Capital Should You Use?
We'll help you evaluate how much equity to access while considering your existing home, cash reserves, and overall financial position.
How Will the New Property Perform?
Purchase price, expected rent, expenses, and financing all play a role in understanding the investment's potential cash flow.
How Should Everything Be Structured?
We'll look at the financing on both properties together and help you build a strategy that fits your investment goals.
The goal isn't simply to qualify for another property. It's to structure the financing so the investment has the best opportunity to work the way you intend.
Ready to Explore Your Next Investment?
Your existing home equity may be able to help you take the next step as a real estate investor. We’ll help you understand what you can access, explore financing for the new property, and build a strategy that considers the entire transaction.
Let’s see what’s possible.