Investor planning tool
Investment Property Equity Analyzer
Understand how much equity may be accessible—and what a new line of credit could do to monthly rental cash flow.
Illustrative fully amortizing program's non-owner-occupied guidelines: 680–719 up to $200K, 720–759 up to $275K, 760+ up to $350K; 70% maximum CLTV. Your assumed CLTV is capped at 70% for this mode. Other underwriting criteria and state restrictions apply. These are limits, not an eligibility decision.
Property & financing assumptions
Adjust the inputs to match a rental property. CLTV and rates are assumptions, not lender offers.
Rental cash flow assumptions
Include taxes, insurance, repairs, maintenance, management and reserves in operating costs. Vacancy is modeled separately using the vacant-months assumption; do not count it twice. Debt service continues during vacancy.
Illustrative available line capacity
$60,000
This scenario applies credit-based loan caps, a 70% CLTV ceiling and NY/TX exclusion; the general mode uses the selected CLTV only.
Current equity
$240,000
CLTV after modeled draw
68.3%
Payment & cash flow scenarios
For this fully amortizing program, use the fully amortizing payment and cash flow figures below. Interest-only comparisons are not applicable to that program.
Based on a modeled draw of $50,000.
12-month ownership stress test
Assumes 1 vacant month(s), the same monthly operating expenses and debt payments all year, and no additional HELOC draws. Not a rent forecast.
Annual cash flow after vacancy + HELOC
-$3,086
Annual cash flow at +2 rate points
-$3,820
HELOC principal repaid in first year
$1,653
HELOC interest in first year
$4,433
Simplified estimates. No closing costs, tax treatment, rate caps, additional draws, changing rates over time or lender-specific billing rules are modeled.
How to interpret these results
1. Capacity is not approval
Actual lender limits depend on property, liens, borrower, ownership and program rules.
2. Cash flow matters
A line may fit the equity calculation while producing negative monthly rental cash flow.
3. Model repayment
Some programs amortize from day one. Evaluate principal-and-interest payments and available cash-flow reserves, including vacancy stress.
Educational estimates only. National HELOC is a financing lead-generation platform, not a lender. No result is a quote, prequalification or commitment to lend.