The fastest-growing portfolios aren't built by saving for the next down payment - they're built by tapping equity already working in the properties investors own. Do it entirely online, with a local expert guiding the way.
Here's how real estate investors are using the equity already in their properties to move faster.
Most lenders require a full appraisal on an investment property HELOC. Our digital HELOC can often qualify eligible properties without one - saving you time, hassle, and an out-of-pocket cost most competitors still charge.
Use the equity already built in a property you own to fund the down payment on your next acquisition - without waiting to save it separately.
Access cash while you're between buying and selling, without waiting on a sale to close first.
Fund improvements on a rental or flip to increase cash flow or resale value.
No obligation, no waiting - get your number in minutes.
The same home equity - a much faster, simpler path to it.
| Our Digital HELOC | Traditional HELOC | |
|---|---|---|
| Application | 100% online, from any device | In-branch visits, paper forms |
| Appraisal | Not required in most cases | Typically required |
| Income Documentation | No tax returns required in most cases | Full tax returns & pay stubs |
| Approval Time | As fast as a few days | Often several weeks |
| Track Your Status | 24/7 online portal | Phone calls & waiting |
| Max Loan Amount | Up to $750,000 | Varies by lender |
The application is online. The guidance isn't automated.
From first click to accessing your equity.
Have questions first? Send a quick note below and a licensed Coltrain loan officer will personally follow up.
Start your secure digital application whenever it's convenient for you.
Get guided through underwriting and closing, with real answers along the way.
Straight answers, before you start.
Yes - and in many cases without the full appraisal that most lenders require on investment property HELOCs, which is one of the biggest advantages for investors.
In most cases, no. Your home's value is verified digitally, so you skip the scheduling and added cost of a traditional in-person appraisal.
In most cases, no. Income can be verified without the traditional stack of tax returns, which is part of what keeps the process moving quickly.
Digital HELOCs are built for speed - many borrowers move through approval in days rather than the weeks a traditional HELOC can take.
Yes. You'll have access to an online portal where you can check your application status any time, without waiting on a phone call.
Tell us what you're working on, and a licensed Coltrain loan officer will personally reach out to talk through your options.
A member of our team will personally reach out shortly. In the meantime, feel free to meet our team whenever you're ready.
Start your secure digital HELOC application now, or call us directly with any questions first.
