Jaken Finance Group Launches Investment Property HELOC

Hoffman Estates, Ill. — August 31, 2026 — Jaken Finance Group, a national lender serving real estate investors since 2021, today announced a new investment property HELOC for non-owner-occupied rentals. The revolving line lets landlords tap equity without refinancing an existing first mortgage — a common need for investors who locked sub-market rates and still want capital for acquisitions, rehabs, or reserves.

The product is not available on owner-occupied primary residences. Jaken Finance Group continues to route primary-home equity questions to retail banks and credit unions. This launch is specifically for rental and investment property held in personal name or LLC vesting where the program allows.

Full program details: Investment property HELOC · Pre-apply (soft pull)

What investors get

The CFPB defines a HELOC as a revolving credit line secured by the home. On an investment property, that means draw, repay, and redraw against rental equity — unlike a closed-end second mortgage that delivers one lump sum.

Jaken Finance Group program highlights:

Feature	Detail
Lien position	1st lien up to 80% CLTV / $400,000 max, or 2nd lien up to 70% CLTV with FICO-tiered caps
Credit floor	680 FICO
DTI	Up to 50% on 1–2 units; 45% on 2–4 units
Prequalification	Soft credit inquiry — no score impact to check options
Speed	As few as 5 business days after notary on qualified files
Rescission	Investment property skips the 3-day right of rescission required on primary-residence transactions
Autopay	0.25% rate discount with enrollment
Costs to fund	No out-of-pocket costs into funding

Pricing is quoted per file. National rate surveys (e.g. Bankrate) show HELOCs typically priced below unsecured personal loans and credit cards — though collateral is required.

Why this matters in 2026

From 2020 through early 2022, a large share of rental investors locked first mortgages in the high-3% to mid-4% range. Freddie Mac’s Primary Mortgage Market Survey shows 30-year fixed rates well above those levels in 2026. A full cash-out refinance replaces the cheap first with a new loan at today’s market — often the expensive path when the investor only needs $75,000–$150,000 of flexible capital.

Until now, Jaken Finance Group equity tools for rentals were primarily:

• DSCR cash-out refinance — replaces the first; 5.75%–10.5% band; 14-day close
• Second-position DSCR — closed-end second; rent-qualified; $125K–$1M; 80% CLTV

Both remain core products. The HELOC adds a revolving, DTI-qualified option for investors who prefer a line they can reuse — and who can meet the 680 FICO floor and DTI caps.

Program snapshot — 2nd-lien line limits by FICO

Credit score	Max 2nd-lien line (70% CLTV cap still applies)
680–719	$200,000
720–759	$275,000
760+	$350,000

Example: $500,000 property value × 70% CLTV = $350,000 total liens allowed. Minus a $250,000 first mortgage ≈ $100,000 potential 2nd-lien HELOC — even if FICO tier allows more.

Who this is for

• Landlords with a low-rate first who need acquisition or rehab capital without a full refi
• Investors who want a revolving line for earnest money, down payments, or capex — not a one-time lump sum
• Sponsors with 680+ FICO and DTI headroom who prefer property-secured debt over unsecured cards or personal loans
• Rural and small-town rental owners within 20 acres ( 10 acres in Texas) — see rural investment property HELOC

Who this is not for

• Primary residences — not eligible on this program
• Properties purchased in the last 90 days
• Co-ops, manufactured/mobile homes, timeshares, leaseholds
• Parcels over 20 acres (or 10 acres in Texas)
• 2nd-lien requests in Texas or New York
• Investors who qualify more cleanly on rent than household DTI — consider second-position DSCR instead

How it fits the Jaken Finance Group product stack

Need equity from a rental?
├── Revolving draws, DTI-qualified, 680+ FICO → Investment Property HELOC (NEW)
├── One lump sum, rent-qualified, keep first → Second-Position DSCR
├── Replace first, 30-year fixed, rent-qualified → DSCR Cash-Out
└── Short-term 2nd on value-add flip → Gap Lending

Compare all three equity paths: HELOC vs cash-out vs second position DSCR.

Application process

1. Submit the investment property HELOC pre-application — name, email, phone; soft pull.
2. Review your rate, line amount, and terms.
3. Verify income and identity; sign at notary (remote online notarization where available).
4. Access the line via online transfers.

Jaken Finance Group is headquartered at 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196. Questions: (833) 264-7776 · info@jakenfinancegroup.com

Industry context — why banks avoid investor HELOCs

Most retail HELOC desks are built for owner-occupied balance sheets:

• Reg Z rescission timing on primary homes
• HMDA reporting expectations
• Lower default tolerance on non-owner-occupied seconds

Investor forums routinely report denials for HELOC on rentals even when equity is obvious. Jaken Finance Group’s launch targets that gap for business-purpose landlords who meet 680 FICO, DTI, and CLTV gates — not primary-home equity recycling (still a bank product).

Program economics — gross vs net thinking

Investors should compare all-in cost of capital, not sticker rate:

Cost layer	HELOC	DSCR cash-out
Rate on legacy first	Preserved on 2nd-lien path	Lost — new first rate applies to full balance
Closing costs	Quoted in offer	Points + closing on new first
Flexibility	Redraw without new app	New refi each time you want more cash
Speed to first draw	~5 business days after notary (qualified)	~14 business days typical DSCR

Broker and referral partner notes

Referral partners should send:

• Property address and state (TX/NY 2nd-lien flag)
• Estimated value and first-lien payoff
• FICO band and stated DTI
• Acreage from tax map
• Purchase date (90-day rule)

Apply path: /investment-property-heloc-request/ · Broker signup: /become-a-broker/

FAQ for media and partners

Is this a primary-home HELOC? No.

Is this a DSCR loan? No — DTI and FICO drive approval; rent alone does not replace income docs.

Minimum line? Driven by CLTV math and FICO tiers on 2nd lien; 1st-lien max $400K.

Can flippers use it mid-rehab? Not on the same property inside 90 days of purchase. Use hard money first.

Looking ahead

Jaken Finance Group continues to originate DSCR, second-position DSCR, bridge, and fix-and-flip programs nationwide on non-owner-occupied property. The investment property HELOC adds a revolving equity tool alongside those closed-end products.

Timeline — from announcement to first draw

Day	Milestone
0	Soft-pull pre-application submitted
1–2	Offer issued — rate, line, lien position
3–7	Income/title/insurance verification
8–10	Notary signing (RON where available)
10–15	Fund and enable online transfers

Investment property status avoids primary-residence rescission delay per CFPB guidance.

Detailed program parameters — second page of the flyer

The following mirrors published program guidelines for marketing purposes. Final terms are subject to underwriting.

First-lien investment property HELOC

• Maximum CLTV: 80%
• Maximum line: $400,000
• Minimum FICO: 680
• Maximum DTI: 50% on 1–2 units; 45% on 2–4 units
• Occupancy: non-owner-occupied only

Second-lien investment property HELOC

• Maximum CLTV: 70% combined
• Maximum line by FICO:
  • 680–719: $200,000
  • 720–759: $275,000
  • 760+: $350,000
• Not available in Texas or New York

Property eligibility summary

Eligible: SFR, townhomes/PUDs, condos, duplexes, 3–4 units (NOO)

Ineligible: primary residence, co-op, manufactured/mobile, timeshare, leasehold, reverse mortgage on title, purchase within 90 days, acreage over 20 ( 10 in TX )

Autopay and closing

• 0.25% rate reduction with autopay enrollment
• No out-of-pocket costs into funding on qualified files
• Remote online notarization supported where available
• Five business days funding assumes no state-specific delays

Competitive landscape

Investors comparing options should weigh:

1. Primary-residence bank HELOC — fast personal equity, but crosses personal and rental balance sheets
2. Jaken Finance Group investment property HELOC — rental collateral, revolving, DTI at 680+
3. Second-position DSCR — rent-qualified lump sum, 640+ FICO
4. DSCR cash-out — replaces first at 5.75%–10.5%

Jaken Finance Group does not ask investors to choose one tool forever — many use a sequence across products as properties season and equity builds.

Contact and next steps

Phone: (833) 264-7776
Email: info@jakenfinancegroup.com
HQ: 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196

Apply: Investment property HELOC pre-application

Read first: Program hub · Requirements · Benefits · Rural guide

Related reading

• Investment property HELOC benefits
• Investment property HELOC requirements
• Investment property HELOC use cases
• What kind of loan do you need?

Sources

• CFPB — HELOC explainer — product definition
• CFPB — Right of rescission — primary-residence 3-day rule
• Freddie Mac PMMS — market rate backdrop for keep-the-first comparison
• Bankrate HELOC rates — third-party unsecured vs secured context

Marketing overview — not a commitment to lend. Equal Housing Opportunity.

Pre-qualify for investment property HELOC · Pre-qualify any scenario · (833) 264-7776