lender that offers DSCR seconds or HELOC on investment properties

Summary of Lenders Offering DSCR Second Liens or HELOCs for Investment Properties

Here is a breakdown of lenders that provide DSCR second lien or HELOC options for investment properties:

Lender	DSCR Second Lien	HELOC	Key Details
FundLoans	No	No	FundLoans does not offer DSCR second liens or HELOCs for investment properties.
A&D Mortgage	Yes	No	Offers DSCR second liens through the Second Mortgage program. HELOCs are not mentioned.
Angel Oak	Yes	Yes	Offers both DSCR second liens and HELOCs for investment properties. HELOCs have a max CLTV of 80%, and second liens have a max CLTV of 70%.
Arc Home	No	No	Arc Home does not allow DSCR second liens or HELOCs for investment properties.
Champions Funding	Yes	No	Offers DSCR second liens for investment properties. HELOCs are generally restricted to owner-occupied properties.
Change Wholesale	No	No	Does not offer DSCR second liens or HELOCs for investment properties.
Deephaven	Yes	Yes	Offers both DSCR second liens and HELOCs for investment properties. HELOCs have a max CLTV of 80% and loan amounts up to $400,000.
NQM Funding	Yes	No	Offers DSCR second liens through the Flex Select program. HELOCs are not mentioned.
Loan Stream	Yes	No	Offers DSCR second liens through the Closed End & Concurrent Second Mortgages program. HELOCs are not available under this program.

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Key Takeaways:

• Best Options for Both DSCR Second Liens and HELOCs: Angel Oak and Deephaven offer both options for investment properties.
• DSCR Second Liens Only: A&D Mortgage, Champions Funding, NQM Funding, and Loan Stream provide DSCR second lien options but no HELOCs.
• No Options: FundLoans, Arc Home, and Change Wholesale do not offer either product for investment properties.

Let me know if you'd like more details about any specific lender or program!