Traditional HELOCs
A Traditional HELOC (Home Equity Line of Credit) is a revolving line of credit borrowed against the equity in a primary residence or second home.
It works similarly to a credit card — you can draw funds as needed, repay, and borrow again during the draw period.
DSCR HELOCs
A DSCR HELOC (Debt Service Coverage Ratio HELOC) is a line of credit secured by an investment property, where qualification is based entirely on the property’s cash flow, not traditional income documentation.
Benefits of a Traditional HELOC
Benefits of a DSCR HELOC
Flexible access to funds: Borrow what you need, when you need it.
Lower interest rates: Often lower than credit cards or personal loans.
Interest-only payments during draw period: Helps reduce monthly costs.
Revolving line: Repay and reborrow without reapplying
Great for home improvements, emergencies, or cash flow needs.
No personal income verification: No tax returns, W-2s, or pay stubs.
deal for real estate investors: Focuses on property cash flow, not the borrower’s finances.
Faster approvals: Less documentation and simpler underwriting.
Flexible access to rental property equity: Perfect for scaling a portfolio.
Use funds for new acquisitions or rehabs: Great for BRRRR and value-add investors.
Works even with multiple financed properties: No limit like conventional guidelines.
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