A Guide For Rental Investors


MoveZen property management

The rise in property maintenance expenses and the inability to refinance in todays high-interest market is causing tension between investors and their retirement strategy.

Forced to Sell

Large maintenance bills are forcing landlords to sell properties in an already fragile market. With no rental income and no 'Sold' sign in the yard, landlords selling are cash strapped.

HELOC's (Home Equity Line of Credit) may be the answer to saving their retirement strategy. 

A low interest option

A HELOC is a revolving line of credit that gives homeowners the chance to borrow against the equity of their home.

The credit line is secured by the value of your home, making it a lower-risk option for lenders and offering potentially more favorable interest rates compared to unsecured forms of credit.

The Draw Period

How does it work?

Repayment Period


Lasting 10-15 years, you can access funds from credit line as needed for property repairs, renovations, or acquiring more properties.


During the draw period, you're only required to pay the interest on the money you've used giving homeowners flexibility.


Usually a 20 year period, homeowners are unable to pull additional funds from their credit line. Both principle and interest payments are due.

Qualifying for a HELOC:

Lenders will consider several factors including credit score, equity in the property, debt-to-income, and income history. 

660+ Credit Score

Lenders generally require:

15%+ in Equity

Benefits for Investors

- Flexibility in Financing Property Expenses.  -Low interest rates and Tax Deductibility -Access to emergency funds

Using a HELOC for rental properties gives homeowners the chance to pay for property repairs and maintenance, acquire more properties, and manage their cash flow.