Texas Investment Property HELOC
Your Bank Said No.
They Were Wrong.
Most Texas lenders misread state law and turn investors away. We close rental HELOCs every week — often in under 72 hours.
$25K–$750K
Loan Range
Up to 80%
CLTV — Texas
640+
Min. Credit Score
72 Hours
Avg. Close Time
Your Real Estate Investment Journey Starts Here
Investment Property
Texas rentals and non-owner-occupied properties. Up to 80% CLTV, 640+ min FICO, bank account income accepted. Closes in ~72 hours.
Apply NowLearn Texas Law
Article XVI §50(a)(6) only restricts homestead HELOCs. Rental properties are governed by standard home equity rules — more flexibility, faster closings.
Learn MoreWhat Banks Get Wrong
A Misreading That’s Costing Texas Investors Thousands
When you ask for a HELOC on a rental property, you almost always hear the same thing: “Texas law doesn’t allow it.”
Article XVI, §50(a)(6) is a homestead protection statute — it was written to stop predatory lending on primary homes. It says nothing about investment or rental properties. Lenders who apply it to rentals are using the wrong law on the wrong property type.
The Legal Fact
Texas Constitution Art. XVI §50(a)(6) restricts homestead HELOCs only. Rental and investment properties are not homesteads — and are explicitly outside the statute’s scope.
Track Record
Proven Results.
Clear Impact.
Our lending partner’s two-decade history closing HELOCs across Texas — including hundreds of investment property transactions that other lenders refused.
7,000+
Homeowners Helped
$1B+
HELOCs Originated
72 hrs
Avg. Rental Close
20+
Years Experience
The Strategy
Where Every Property Tells a Story of Growth
Investors who understand this product use it as a repeatable acquisition engine — not a one-time cash-out event. Draw, deploy, repay, repeat.
Open a HELOC on a property you already own
Use an existing rental or your primary residence. Up to 80% CLTV on all Texas properties, 640+ min FICO for investment.
Draw funds for your next acquisition
Use the draw as a down payment on your next rental. The HELOC is secured by your existing property — the new deal stays clean.
Close on the new property
The new rental generates cash flow from day one. You now hold two income-producing assets.
Pay down the HELOC. Repeat.
Apply cash flow toward the HELOC balance. As it pays down, you rebuild capacity to fund the next deal.
Common Uses
What Texas Investors Use It For
A revolving line means you only pay interest on what you draw. Keep it open and ready — deploy capital when the right deal appears.
Down payment on next acquisition
Draw from existing equity to fund 20–25% down on a new rental without selling assets.
Keep your current mortgage rate
HELOC is a second lien — your first mortgage rate, payment, and terms are completely untouched.
Renovate to force appreciation
Fund upgrades that justify higher rents and increase the NOI on an existing rental.
Bridge to a refinance
Short-term bridge while you season a new purchase or wait for a better rate environment.
Consolidate high-interest debt
Eliminate credit card or hard money debt at a significantly lower rate, freeing monthly cash flow.
Reserves without idle cash
Keep the line open and undrawn. Interest only accrues when you draw — deploy only when needed.
Client Reviews
Working With Best Suited Mortgage
“Three banks told me Texas law wouldn't allow a HELOC on my rental. Best Suited got it done in 68 hours. Used it as the down payment on my next property.”
James T.
Houston, TX — Rental Property
“I own four rentals in DFW and had no idea I could pull equity out this fast. Closed in under 72 hours and deployed the funds into a fifth property.”
Marcus W.
Dallas, TX — Investment Portfolio
“The process was fast and the terms were exactly what they said upfront. No surprises at closing. Already planning to use it for the next deal.”
Derek S.
San Antonio, TX — Investment Property
Live Rate Pricer
See Your Rate by LTV
Variable rate · 5-year interest-only draw
Rates effective May 6, 2026
Estimates for reference only. Subject to change. Final rate depends on verified credit, appraisal, and underwriting. WSJ Prime = 6.75%.
Select your credit score and enter the property value
to see available rate tiers.
Common Questions
Investment Property HELOC FAQ
Everything Texas investors need to know before applying.
Ready to Get Started?
Apply Directly with Our Lending Partner
The fastest path to your HELOC. Complete the lender application in minutes and get your terms the same day.
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Expert HELOC guidance
across Texas.
Best Suited Mortgage · NMLS #2622691 · Texas Statewide
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