EPISODE · Jun 3, 2025 · 31 MIN
Unlock Hidden Equity: How to Use a HELOC on Investment Properties to Scale Fast!
from Rent To Retirement: Building Financial Independence Through Turnkey Real Estate Investing · host Rent To Retirement
This episode is sponsored by…FIGURE:Access your home equity in minutes—no refinance needed! go.figure.com/renttoretirementAre you sitting on thousands in home equity—but unsure how to access it without sacrificing your low mortgage rate? In this episode, Zach Lemaster sits down with Tim Rowen, Director of Sales Success at Figure, to dive deep into a powerful wealth-building tool: HELOCs (Home Equity Lines of Credit) for investment properties.Learn how investors are scaling faster by tapping into equity without the pain of a refinance. Figure’s tech-driven platform makes it easy, fast, and flexible—giving real estate investors access to capital they can use strategically.🧠 Whether you're new to investing or looking to grow your portfolio, this episode shows you how to use HELOCs the smart way.⏱️ Timestamps00:00 - Introduction: Unlocking equity to scale your portfolio00:34 - What is a HELOC & why Figure is different01:50 - Tim Rowen’s background and why strategy matters03:25 - How Figure helps investors access equity faster04:58 - HELOC vs refinance: Why it matters for investors06:12 - Understanding equity as a strategic tool08:39 - The I.D.E.A.L. formula and how leverage plays a role10:22 - How a HELOC works (recasting, redraw period, interest model)13:34 - Using HELOCs as a reserve fund16:18 - Loan-to-value limits: primary vs investment property18:06 - Application process and soft credit pull20:07 - No underwriters: Figure’s digital approval pipeline22:08 - HELOC term options & redraw periods explained24:46 - When NOT to use a HELOC (refi vs blended rate strategy)27:32 - How Figure’s rates can outperform traditional loans29:17 - Final thoughts: Run your Return on Equity, act strategically30:56 - Where to apply for a HELOC with Figure🔗 Apply for a HELOC and see your equity options in minutes:go.figure.com/renttoretirement📧 Got a question or story to share?Email us at: [email protected]👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: https://www.renttoretirement.com🗓️ Schedule a Free Consultation:https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg🎧 Listen to the Rent To Retirement Podcast on the Go:https://podcasters.spotify.com/pod/show/renttoretirement📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:https://renttoretirement.com📩 Have Questions for the Podcast?Send them to: [email protected]Your question might be answered in a future episode!#HELOC #RealEstateInvesting #RentalProperty #PassiveIncome #CashFlow #InvestmentStrategy #Figure #Equity #FinancialFreedom #RentToRetirement
What this episode covers
This episode is sponsored by…FIGURE:Access your home equity in minutes—no refinance needed! go.figure.com/renttoretirementAre you sitting on thousands in home equity—but unsure how to access it without sacrificing your low mortgage rate? In this episode, Zach Lemaster sits down with Tim Rowen, Director of Sales Success at Figure, to dive deep into a powerful wealth-building tool: HELOCs (Home Equity Lines of Credit) for investment properties.Learn how investors are scaling faster by tapping into equity without the pain of a refinance. Figure’s tech-driven platform makes it easy, fast, and flexible—giving real estate investors access to capital they can use strategically.🧠 Whether you're new to investing or looking to grow your portfolio, this episode shows you how to use HELOCs the smart way.⏱️ Timestamps00:00 - Introduction: Unlocking equity to scale your portfolio00:34 - What is a HELOC & why Figure is different01:50 - Tim Rowen’s background and why strategy matters03:25 - How Figure helps investors access equity faster04:58 - HELOC vs refinance: Why it matters for investors06:12 - Understanding equity as a strategic tool08:39 - The I.D.E.A.L. formula and how leverage plays a role10:22 - How a HELOC works (recasting, redraw period, interest model)13:34 - Using HELOCs as a reserve fund16:18 - Loan-to-value limits: primary vs investment property18:06 - Application process and soft credit pull20:07 - No underwriters: Figure’s digital approval pipeline22:08 - HELOC term options & redraw periods explained24:46 - When NOT to use a HELOC (refi vs blended rate strategy)27:32 - How Figure’s rates can outperform traditional loans29:17 - Final thoughts: Run your Return on Equity, act strategically30:56 - Where to apply for a HELOC with Figure🔗 Apply for a HELOC and see your equity options in minutes:go.figure.com/renttoretirement📧 Got a question or story to share?Email us at: [email protected]👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: https://www.renttoretirement.com🗓️ Schedule a Free Consultation:https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg🎧 Listen to the Rent To Retirement Podcast on the Go:https://podcasters.spotify.com/pod/show/renttoretirement📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:https://renttoretirement.com📩 Have Questions for the Podcast?Send them to: [email protected]Your question might be answered in a future episode!#HELOC #RealEstateInvesting #RentalProperty #PassiveIncome #CashFlow #InvestmentStrategy #Figure #Equity #FinancialFreedom #RentToRetirement
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Unlock Hidden Equity: How to Use a HELOC on Investment Properties to Scale Fast!
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