Home equity at the speed of NOW
First or second lien Digital HELOC for investment properties - fund your next deal in days.
Free-and-clear property? Tap up to 80% LTV.
- No existing first mortgage required
- Ideal for free-and-clear investment properties
- Draw funds as your portfolio grows
Unlocking Equity for Real Estate Investors
We believe accessing your investment property's equity should be straightforward and stress-free. That's why we've created a fully online HELOC solution designed to meet the needs of real estate investors.
With our Digital HELOC, you can keep your existing low-rate first mortgage in place and draw supplemental capital for your next acquisition or rehab - or, if your property is free-and-clear, take advantage of our first-lien HELOC up to 80% LTV. Our streamlined digital process removes much of the pain and cost traditionally associated with obtaining a HELOC, giving you access to your property's equity in just a few days.
Helping investors make smart money moves
See your personalized offer in minutes with no impact to your credit score! With a digital HELOC from MAK Mortgage, you can scale your portfolio and seize your next deal by leveraging your single greatest asset: Your investment property.
Value-Add Renovations
Rehab and force appreciation on your investment properties to boost cash flow and equity.
Portfolio Leverage
Tap equity across your portfolio to scale your holdings without liquidating assets.
Acquire Your Next Flip
Use your equity as down payment capital to close on your next flip or rental property.
See your personalized offer in minutes with no impact to your credit score
The Average Investor Has
$323,000
Of untapped equity in their investment properties - capital that could be funding your next flip, rental acquisition, or portfolio expansion.
MAK Mortgage Digital HELOC
Home equity that keeps up with your dreams.
Easy application process
Enjoy a painless online process that's simple and quick. See your available equity and explore rates in minutes. Fast, easy, and entirely hassle-free.
Fast access to funds
Our streamlined process is faster than most banks, giving you quick access to your home equity. Effortless, efficient, and designed for your convenience.
Digital verification
Our Artificial and Mortgage Intelligence leverages digital verification which removes the pain - and time - typically associated with the HELOC process.
Low borrowing costs
Get lower rates than credit cards or personal loans, designed to save you more on every payment. Smarter, affordable, and tailored to your needs.
Flexible funding options
Access up to 85% CLTV on your investment property - whether as a second lien behind your existing mortgage or a first lien on a free-and-clear property. Flexible financing tailored for investors.
Human-to-human support
Sure, we leverage cutting edge technology, but we have a team of mortgage experts that are always ready to assist you with any part of the process.
See your personalized offer in minutes with no impact to your credit score
Built for investment properties
Flexible qualifying options designed for real estate investors - from full doc to bank statements to DSCR qualification.
Min FICO
660
Max CLTV (Investment)
85%
Min DSCR
1.1x
LLC Vesting
Allowed
Income Doc
Full Doc or Bank Statements
Rural Properties
Eligible
Loan Amounts
$75K - $1M
Property Types
SFR, PUD, 2-4 Units, Condo
Max DTI
50%
Cash-Out Reserves
Not Required
Max CLTV up to 85% on investment second liens (Bank Statement HELOC max 75% CLTV). HELOAN options are 30-year fixed; HELOCs are 30-year variable rate tied to the WSJ Prime index. The DSCR (STR) HELOAN carries a 3-year prepayment penalty - all other programs have no PPP. 6-month ownership seasoning required. US Citizens and Permanent Residents only.
Choose Your Qualification Path
Max CLTV up to 85% on investment second liens. HELOAN options are 30-year fixed; HELOCs are 30-year variable rate tied to the WSJ Prime index. The DSCR (STR) HELOAN is the only option with a prepayment penalty.
Technology with a human touch
Our technology supported by our HELOC experts provides you fast and stress-free access to your investment property's equity that you can use to fund your next acquisition, finance value-add renovations, and scale your real estate portfolio.
The MAK Mortgage Difference
Driven by technology, we've built the best lending experience possible so you can build the best future possible.
Your Questions Answered
Home equity has officially
left the bank.
Harness the power of MAK Mortgage.
Investment property equity is now faster, simpler, and more accessible with our digital HELOC solutions - no bank visits required.
Unlock Offer
1. For investment properties, qualified applicants may borrow up to 85% CLTV with a second-lien HELOC (Bank Statement HELOC max 75% CLTV), or up to 80% LTV with a first-lien HELOC on free-and-clear properties. HELOAN options are 30-year fixed; HELOCs are 30-year variable rate tied to the WSJ Prime index. The DSCR (STR) HELOAN carries a 3-year prepayment penalty; all other programs have no PPP.
2. HELOCs have a 10-year draw period. During the draw period, the borrower is required to make monthly minimum payments, which will equal the greater of (a) $100; or (b) the total of all accrued finance charges and other charges for the monthly billing cycle. During the draw period, the monthly minimum payments may not reduce the outstanding principal balance. During the repayment period, the borrower is required to make monthly minimum payments, which will equal the greater of (a) $100; or (b) the full outstanding principal balance plus accrued finance charges and other charges for the monthly billing cycle divided by the number of months remaining in the repayment period.