Every smart investor I know is still missing the most flexible financing tool on the market.
They’re stuck. Money locked in a deal. No way to pull cash out. And refinancing? Not worth touching that low first mortgage most investors fought hard to keep.
Be honest, has this happened to you?
You spot a killer deal but can’t move on it because your cash is tied up in another property. It’s frustrating. And it kills your momentum honestly.
Right now, there's over $11.5 trillion in home equity sitting untapped. That’s money that could be buying more rentals, building long-term wealth, and helping you scale. But instead, it’s just sitting.
In a low-inventory market like this, speed wins. So many guys I know lose out on deals because their capital was tied up and they didn’t get equity out fast enough.
The investor who gets the deal isn’t always smarter or more experienced. They're just better positioned to act fast.
In this newsletter, I want to show you a better tool. One that lets you tap into equity without refinancing your low-rate mortgage, without showing income, and without jumping through every hoop your local bank demands.
Let’s talk about the DSCR HELOC.
You Want Equity, But You Don’t Want to Refinance
You’ve got equity. But you also have a 3% rate on your mortgage. And you’d rather get a root canal than give that up.
This is where most investors get stuck. They want to scale, but they’re handcuffed by their existing financing. The only tool they know is a cash-out refi, which kills their current rate and adds thousands in long-term costs.
Take Tim, for example (I changed his name). He had a $250K mortgage on a rental at 2.75%. But a new opportunity popped up that required $50K fast. Selling wasn’t an option. And refinancing? Off the table.
So what did we do?
We used a DSCR-based HELOC in second position, meaning his low first mortgage stayed untouched. We opened up a $100K line of credit — interest-only, fixed rate, no balloon, no prepay — and he only draws what he needs, when he needs it.
That $50K he needed? He pulled it in two business days. Still has $50K available for the next opportunity.
The Concept: Most Investors Don’t Know This Exists
Everyone knows about DSCR loans. Few know about DSCR HELOCs.
This is not a traditional HELOC. And it’s definitely not a bank product.
Here’s why this program is different:
It’s underwritten based on property cash flow, not your income
It’s a line of credit, not a fixed lump sum
It’s done in an LLC, not your personal name
It requires no tax returns, no DTI, and no bank statements
Mike is a full-time investor who had $400K in equity sitting in a property held in his LLC. No W2. No traditional income. Every bank turned him down.
But with this program, we didn’t need his tax returns. We just needed the rent comps. That property’s rental income hit the 1.00 DSCR mark, so he was approved.
He pulled $100K out. Didn’t touch the first mortgage. And now he’s under contract on his next project.
That’s how fast things can move when you have access to flexible capital.
The Process: How to Use It (And a Bonus You Need to See)
Getting set up with a DSCR HELOC is simple if your property qualifies:
Must be a rental property held in an LLC
Needs an interior appraisal with rent comps (Form 1007 or 1025)
DSCR must be 1.00 or higher
FICO 650+
Line sizes from $100K to $500K
The loan is interest-only with no balloon, no prepayment penalty, and you can draw funds multiple times after closing. It’s a revolving line, not a one-time lump sum.
And if you don’t want to do an appraisal at all?
There’s now a no-appraisal DSCR loan option that closes in 7 to 10 days, 100% online. Yes, that exists too. I’ll break it down in the video linked below.
Why This So Important Guys
One good deal can change everything.
The right property can boost your monthly cash flow, bump your net worth, and open doors to more leverage down the line.
But none of that happens if you miss the deal. And you’ll keep missing deals if all your equity is stuck and you’re relying on outdated loan options.
This tool gives you speed and flexibility — two of the most powerful advantages any investor can have right now.
So if you're sitting on equity and you want to scale without wrecking your current loan terms, this is your signal to look deeper.
▶️ Click here to watch my full videos
📞 Have questions or want to see if your property qualifies?
Want help accessing your rental property equity?
I’ve got you.
— Ben Stef
Investor Financing Specialist
NMLS #2018674
📧 bstef@nexamortgage.com