HELOCS FOR REAL ESTATE INVESTORS & SELF-EMPLOYED OWNERS
Your equity, on tap. No tax returns.
A line of credit that qualifies on your rental income or bank statements, not your W-2. Draw what you need for the next down payment, rehab, or gap, then pay it down and use it again.
Takes about 3 minutes. No SSN or credit pull to apply. Up to $3M on DSCR HELOCs.
HELOC Options
Pick the line that fits how you earn.
DSCR HELOC, 1st lien, up to $3m
DSCR HELOC, 2nd lien, keep your first mortgage
Profit & Loss Business Purpose HELOCs
Bank statement HELOCs for self-employed owners
Also available: variable and fixed-rate options, interest-only during the draw period.
Up to $3m
DSCR HELOC Line Size
~10 Minutes
Full Quotes From All Sources
No Tax Returns
DSCR Qualifies on Rent
HOW IT WORKS
Three steps to your line of credit
Start with a quick estimate or go straight to full quotes. Either way, you'll know exactly what your equity can do before you commit to anything.
1. Get a quote
Get full quotes from all sources in about 10 minutes, or a quick estimate with no SSN in about 60 seconds.
2. Pick your line
Compare line size, rate, and terms side by side. Matt walks you through the tradeoffs if you want a second set of eyes.
3. Close and draw
We manage the appraisal and underwriting through closing. Then draw on the line whenever you need it.
Pick the HELOC that fits your property
Limits depend on credit, equity, property type, and how the property is vested.
DSCR · 1ST LIEN
DSCR HELOC up to $3M
Up to 75% LTV on investment property. Qualifies on rental income with no personal income docs. Typically the lowest-cost DSCR HELOC.
LLC-OWNED
Investment Property HELOCs
Up to 75% combined LTV on rentals vested in an LLC. 700+ credit typically required. Lines up to about $1M.
DSCR · 2ND LIEN
Keep Your First Mortgage
Up to 70%-75% combined LTV behind your existing loan. Good when you've got a low rate you don't want to touch.
SELF-EMPLOYED
Bank Statement & P&L HELOCs
Qualify with bank statements or a P&L instead of tax returns. Up to 85% combined LTV on a primary residence.
WHO THIS IS FOR
Built for people banks don't know what to do with
If you've got real equity but a tax return that shows a loss, a bank HELOC probably isn't happening. These programs look at the property and the cash flow instead.
Investors with rentals full of equity but a tax return that shows a loss
Self-employed owners who write off everything
Flippers who want a standing line ready for the next down payment
Investors who own their rentals in an LLC
Anyone who doesn't want to refinance a low-rate first mortgage
Not sure which HELOC fits? Apply once and we'll match you to the right program. No SSN needed.
Takes about 3 minutes. No SSN or credit pull to apply.
WHY A HELOC
Pull cash out without touching your first mortgage
A cash-out refi replaces your whole loan. A HELOC sits behind it or replaces it, so you only borrow what you need, when you need it.
Keep your low-rate first mortgage in place
Draw what you need, and pay interest only on what you use
Pay it down and reuse it for the next deal
Qualify on rental income instead of tax returns (DSCR)
LLC-owned rentals are eligible
We compare HELOC programs across multiple lenders, so you get the best fit for your property, not whatever one bank offers.
Free strategy call. No obligation.
ELIGIBLE PROPERTIES
Properties we can get a HELOC on
From single-family rentals to small multifamily, owned personally or in an LLC.
Single-family rentals & townhouses
2–4 unit and 5+ unit multifamily
Condos & manufactured homes (program dependent)
LLC-owned rentals: up to 75% CLTV
DSCR 1st lien HELOCs up to $3M and 75% CLTV, and 2nds up to 70% CLTV
Primary residences & second homes: up to 85% CLTV
Not sure if your property fits? Run a quick estimate, or just ask.
Takes about 3 minutes. We'll typically respond within one business day.
DEAL SCENARIOS
Where we earn our keep
Example structures for the deals banks struggle with. Every deal is different; these show how we think.
Next down payment. An investor owns three LLC-held rentals worth $1.2M with $500K owed. A DSCR 2nd at 70% CLTV opens a line of about $340K, so the next purchase is funded without selling or refinancing.
Example scenario · Portfolio equity
Keep the low rate. A rental worth $900K has a $400K first mortgage at 3.25%. A cash-out refi would reprice the whole loan. A HELOC behind it at 70% CLTV frees about $230K, and only the drawn amount is priced at today's rates.
Example scenario · 2nd lien HELOC
Tax return shows a loss. A self-employed owner writes off everything, so the bank turns down the application. A DSCR 1st lien HELOC qualifies on the property's rent instead. On a $1.6M free-and-clear rental at 75%, that's a line of up to about $1.2M.
Example scenario · DSCR 1st lien
Why investors work with Nomad
A broker who's been on your side of the deal
I came up in remodeling and construction before I got into lending. I've owned and worked on properties, so I know what it's like to have equity tied up in a building while the bank only looks at your tax return.
Every HELOC option in one place. DSCR 1st lien lines up to $3M, 2nd lien HELOCs, and bank-statement programs. We match you to the one that fits instead of pushing a single product.
Your file goes to the lenders most likely to approve it, and we compare rate, draw period, and terms across offers.
One point of contact. LLC-owned properties, multiple rentals, self-employed income. You work with me from quote to close, not a call center.
Questions, answered
HELOC FAQ
Do you charge upfront fees?
No. There are no upfront fees to get quotes or apply. Lender closing costs vary by program, and you'll see them before you commit to anything.
How much can I borrow?
DSCR 1st lien HELOCs go up to $3M at 75% CLTV, and DSCR 2nds go up to 70% CLTV. LLC-owned investment properties are generally capped at 75% CLTV. Other HELOC programs go up to about $1M. Your actual line depends on value, credit, and cash flow.
Do I need tax returns?
Not for every program. DSCR HELOCs qualify on the property's rental income, and bank-statement programs use deposits instead of tax returns. That's built for self-employed owners who write off a lot.
Will this affect my credit?
The Quick Quote doesn't need your SSN, so there's no credit pull. The full application will involve a soft credit check which also doesn't affect your credit. Once you're ready to move forward there will likely be a hard pull depending on the HELOC option.
What do I need to get started?
The property address, an estimated value, your current mortgage balance, a rough credit score, and whether it's owned personally or in an LLC. For DSCR programs, have your leases or rent roll handy.
Have a deal on the table?
Send it over. We'll review the deal, tell you which capital sources fit, and give you a straight answer on what's realistic. If we can't improve on what you have, we'll tell you that too.
No upfront fees. No obligation. Nomad Capital Solutions is a loan broker, not a direct lender; all financing is subject to lender underwriting and approval.
Get My HELOC Options
Tell us about your deal. We'll find the right money for it.
Takes about 3 minutes. You'll only see the questions that fit your deal.
Don't know an exact number? Your best guess is fine. We'll fine-tune it together.
Real estate and business funding both start here.
After you submit, we'll text you, usually the same or next business day.
Tell us about your deal
Purchase details
Refinance details
Rehab details
Construction details
Rental details
Bridge details
HELOC details
Commercial property details
Business funding details
Almost done
No credit pull to submit. Your info stays private. We don't sell or share it.
Nomad Capital Solutions
Private money, commercial, and business funding for real estate investors, developers, and business owners. No upfront fees.
Nomad Capital Solutions is a loan broker, not a direct lender, and does not make credit decisions. All loans are subject to lender underwriting and approval. Rates and terms vary and may change without notice. Nothing on this site is a commitment to lend.
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