REAL ESTATE INVESTOR FINANCING

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    Revolving Equity Capital

    Turn Equity in an Existing Property Into Reusable Capital.

    A home equity line of credit converts existing property equity into reusable revolving capital — draw funds, use them, repay, and draw again. It can potentially be secured by a primary residence or eligible investment property depending on the program.

    Program Details

    Structure
    Revolving credit line
    Draw Period
    10-year draw / 20-year repayment structures available
    Eligible Properties
    Primary residence and applicable investment-property options, including eligible LLC-owned investment property depending on program
    Typical Timeline
    Approximately 14–45 days
    Rate Type
    Variable — generally tracks Prime plus an applicable lender margin
    Maximum Line
    Potentially into the hundreds of thousands depending on equity and qualification

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Who This Program Is For

    • Next acquisition down payment
    • Earnest money deposits
    • Renovation and rehab
    • Holding costs and reserve capital
    • Auction acquisitions

    How It Works

    A HELOC turns equity in an existing property into reusable capital. Draw funds as needed, use them, repay, and draw again during the draw period. Current underlying programs may support substantial equity lines, potentially into the hundreds of thousands depending on equity and qualification. No single universal maximum is published because programs differ.

    Variable-Rate Nature

    HELOC rates generally track Prime plus an applicable lender margin, so the rate can change over time. No permanent interest rate is published here because rates move with the market. Investors should plan for possible payment changes during the life of the line.

    Who This Generally Fits

    Borrowers with equity in an existing property. Starting matrix: 620+ FICO for a primary residence, 700+ FICO for LLC-owned investment property. Individual lender requirements may be higher.

    Qualification Snapshot

    Primary Residence FICO
    620+ starting matrix
    LLC Investment-Property FICO
    700+ starting matrix
    Equity
    Required — CLTV limits apply
    Note
    Starting program guideline — individual lender requirements may be higher

    Published thresholds are pre-screening guidelines, not approvals. Final eligibility depends on the complete borrower profile, property, transaction, provider, and underwriting. Broader or alternative programs may be available for profiles outside these guidelines.

    Learn How This Works

    Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.

    Read the Guide

    Frequently Asked Questions

    Run the Numbers

    Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.

    Open Calculator

    Investment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

    Ready to submit a heloc deal?

    Submit once. We'll review the transaction and identify potential financing paths.