Stand-Alone HELOC for Investment Properties
Access the equity in your investment property without refinancing your first mortgage.
LM2 Investment Group now offers stand-alone second position HELOCs for Arizona real estate investors—giving you flexible access to capital while keeping your existing loan in place.
This product is designed for investors who want to tap into equity, fund new opportunities, or improve cash flow without disrupting a low-rate first mortgage.
Apply now or speak with a loan specialist today.
A Home Equity Line of Credit (HELOC) allows you to draw funds from your property’s equity as needed, rather than receiving a lump sum loan.
With a stand-alone HELOC, the line of credit is placed in second position, meaning your current mortgage stays exactly as it is. This gives investors the flexibility to access capital without refinancing or resetting their primary loan.
For real estate investors, this can be a powerful tool for acquiring additional properties, funding renovations, or covering short-term capital needs.
Stand-Alone HELOC: The LM2 Investment Group Advantage
LM2 Investment Group provides flexible HELOC solutions specifically tailored for investment properties.
Our stand-alone second position HELOC allows investors to unlock equity while maintaining their existing financing structure—something many traditional lenders do not offer.
This program is built for speed, flexibility, and real-world investor needs.
Why Investors Use a Stand-Alone HELOC
Keep Your Existing First Mortgage
Maintain your current interest rate and loan terms while adding a second position line of credit.
Access Equity on Demand
Draw funds only when needed instead of taking a lump sum.
Flexible Use of Funds
Use funds for acquisitions, renovations, or expanding your portfolio.
No Refinance Required
Avoid resetting your rate or loan terms.
Built for Investment Properties
Designed specifically for non-owner occupied real estate.
Not sure if a HELOC is right for you?
Talk with our team and we’ll walk through your options.
HELOC vs. Cash-Out Refinance vs. DSCR Loan
Understanding your financing options is key to choosing the right strategy for your investment goals.
| Feature | Stand-Alone HELOC | Cash-Out Refinance | DSCR Loan |
| Keeps Existing First Mortgage | Yes | No (replaced) | No (replaced) |
| Access to Equity | Revolving line | Lump sum | Limited (depends on refi) |
| Approval Based On | Property equity | Income + equity | Property cash flow |
| Monthly Payments | Flexible (interest-only during draw) | Fixed | Fixed or interest-only |
| Best Use Case | Ongoing access to capital | Large one-time cash need | Purchasing/refinancing rentals |
| Speed | Fast | Slower (traditional process) | Fast |
Key Takeaway:
A stand-alone HELOC is ideal if you want flexible, ongoing access to equity without refinancing, while DSCR and cash-out refinances serve different long-term financing strategies.
How a Stand-Alone HELOC Works
A HELOC is a revolving line of credit secured by your property:
- You are approved for a maximum credit limit
- You can draw funds as needed during the draw period
- You typically pay interest only on what you use
- After the draw period, repayment begins
Because this loan is in second position, your first mortgage remains unchanged.
Important Program Guidelines
- Loan must close in the individual borrower’s name
- LLCs and trusts are not permitted at closing
- Property can be transferred from an LLC prior to application
- No seasoning required after title transfer
- Property must be non-owner occupied
General HELOC Terms Explained
Draw Period
Timeframe where funds can be accessed (commonly 3–5 years)
Repayment Period
Period where the remaining balance is repaid
CLTV
Combined Loan-to-Value across all loans on the property
Interest-Only Payments
Lower monthly payments during draw period
Apply now and get pre-qualified in as little as 24 hours.
Why Work With LM2 Investment Group
LM2 Investment Group specializes in flexible financing solutions for Arizona real estate investors.
- Fast approvals
- Investor-focused underwriting
- Local market expertise
- Unique loan programs not widely offered
We understand how investors operate—and we structure loans to support that.
Frequently Asked Questions
What is a HELOC?
A revolving line of credit secured by real estate that allows you to draw funds as needed.
What makes this “stand-alone”?
It is separate from your first mortgage and does not require refinancing.
Can I keep my current loan?
Yes. Your existing mortgage stays in place.
Can I use this for rental properties?
Yes. This program is specifically for investment properties.
Can I close in an LLC?
No. The loan must close in an individual’s name.
What can I use the funds for?
Purchases, renovations, or accessing equity for other investments.
Get Started Today
If you’re looking for a flexible way to access equity without refinancing, a stand-alone HELOC may be the right solution.