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How to use a HELOC to buy investment properties. Ever wonder how people have all this savings sitting around to deploy into purchasing investment properties? Are they just good savers? Nope, they aren’t just good savers – they are accessing the “lazy cash” that is sitting in their home equity to purchase Fix and Flips, Rentals, Airbnb’s, even small multifamily properties! That’s what we are are doing – using our “lazy cash” to look at investment properties. Why let that equity just sit in your home for that “one day” when you are going to move? Instead use that equity to make investments and turn your money over and over and over. When money is moving you are making cash flow or MAILBOX MONEY!

How To Get A How To Get a Home Equity Line of Credit To Buy Investment Properties With Valor Lending Group:

So what are the steps to get the best HELOC Programs?

Valor Lending Group can help you with all of your HELOC Loan needs!

CALL 949-887-3728 or EMAIL

A HELOC (Home Equity Line of Credit), is a type of home equity loan that allows you to draw funds as you need them and repay the money at a variable interest rate. The Best HELOC Programs are commonly for individuals who need funds to use for investments or to payoff existing debt. They are also beneficial for individuals that are in need of funds for on going home improvement projects. Typically HELOCs have lower interest rates than credit cards and personal loans.

How does a HELOC work?

A HELOC works by giving you a line of credit that’s available for a set time frame, this is known as the draw period. Most HELOCs have an interest-only draw period, you can make both interest and principal payments to pay off the line of credit faster.

Pros and Cons of HELOCs

Pros

Cons

Bottom Line

If you are an individual that is in need of funds to deploy into an investment property, for a ongoing home improvement project or need to pay off some debt, a HELOC may be the right loan options for you. Some pros of a HELOC is that they have lower interest rates compared to credit cards and personal loans. Also, you can borrow more money than with a credit card or personal loan. A con, is that if you default on the HELOC you could risk losing your house. Valor Lending Group offers every mortgage loan in the book and is here to help you through the mortgage loan process today. I will be standing by your call

Recap of our Loan Products:

  1. Hard Money Loans/Bridge Loan  (20% down / minimal documentation) Typically Fund in 7-10 days.
  2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
  3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
  4. Valor VA Home Loan 100% financing up to $1.5MM
  5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
  6. Flipper & Rehab Loans (Flip a property with one of our many options)
  7. 2nd Position Loans up to $5mm
  8. Raw Land & Lot Loans
  9. Ground up Construction for spec homes, custom homes and commercial ground up.
  10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
  11. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
  12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
  13. Acreage Properties
  14. Commercial Loans up to $500mm
  15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
  16. Foreign Nationals Loans (no social security or residency required)
We also offer:
  1. Conventional Conforming Loans (under $647,200)
  2. High Balance Conforming (from $647,200-$970,800)
  3. Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
  4. FHA, USDA
  5. Reverse mortgages up to $1 Million Value
  6. Cash Out Refinancing

We are never too busy for your referrals.

How can we help you in reaching your goals?

CONTACT ME TODAY at 949-887-3728 for immediate attention to your scenario! 

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Valor Lending Group

We Offer Every Mortgage Loan in the Book

Headquarters

Valor Lending Group
CA DRE #02026238  |  NMLS #1600345

Petco Park DiamondView Tower
350 10th Ave | 10th Floor
San Diego, CA 92101
info@valorlending.com
Office: (619) 344-2640
Fax: (619) 872-2400

Arizona Branch

Valor Lending Group, Inc.
Branch ID# 2245288 | MB-1030262

Eagle Ridge
1548 Hawkeye Ridge Ave
Prescott, AZ 86301
info@valorlending.com
Office: (619) 344-2640
Fax: (619) 872-2400