Real Estate Investor Lines of Credit
Flexible capital you can draw from for multiple deals.
Who Its Best For?
- Real estate investors needing ongoing access to capital.
- Clients funding acquisitions, renovations, or portfolio growth.
- Investors leveraging existing equity without selling property.
- Operators seeking flexibility and speed for multiple deals.
What It Does
A real estate investor line of credit is a revolving source of capital secured by the equity in existing properties. It works much like a business line of credit but is backed by real estate. As you repay the balance, funds become available again for new opportunities.
These lines are ideal for investors executing multiple deals per year, funding renovations, or needing capital for competitive acquisitions without reapplying for a new loan each time.
Why It Matters
Having on-demand capital can be the difference between winning or losing a deal. Instead of waiting for new financing each time, a line of credit gives you immediate access to funds backed by your portfolio. It’s a tool that allows you to stay nimble, act quickly, and scale faster. The benefits include:
- Instant liquidity without selling properties.
- Flexible, reusable capital for ongoing deals.
- Leverage existing equity for growth.
- Short-term and long-term strategies supported.
Key Benefits
- Credit lines from $250,000 to $50 million.
- Access funds repeatedly without reapplying.
- Secured by existing real estate equity.
- Fast approvals and draw requests.
- Ideal for active investors and repeat operators.
Example Scenario
A seasoned investor owned a portfolio of single-family rentals with significant equity. They established a $5 million line of credit secured by their portfolio and used it to fund acquisitions, down payments, and light renovations. Each time they repaid a portion of the balance, funds became available again for the next project, allowing them to complete six acquisitions in one year without new loan applications.
FAQ
What properties can secure a line of credit?
Single-family, multifamily, and commercial investment properties.
Can I reuse funds after repayment?
Yes. Once repaid, the credit becomes available again.
Is a line of credit better than a bridge loan?
For ongoing projects, a line of credit offers more flexibility.
How quickly can I access funds?
Typically within 1–2 business days after a draw request.
Can I increase my credit line over time?
Yes. We can review portfolio growth and adjust limits as needed.
