Investor Lines of Credit
An investor line of credit gives active real estate investors standing capital to move on deals quickly: earnest money, auction purchases, rehab costs, and gap funding, all without originating a new loan for every need. Facilities can be unsecured, secured by a property, or secured by a portfolio.
Best uses
- Winning deals that demand fast, certain funds
- Funding rehab costs between draws
- Earnest money and auction deposits
- Smoothing capital across multiple simultaneous projects
Typical borrower profile
- Active flippers and wholesalers
- Portfolio landlords with meaningful equity
- Investors doing several deals per year
Potential qualification factors
Every lender sets its own criteria, and no factor guarantees or blocks approval on its own. Commonly reviewed items include:
- Investor experience and deal volume
- Credit profile and liquidity
- Equity in owned properties for secured facilities
- Track record of completed projects
Documentation to have ready
- Government-issued ID and entity documents
- Schedule of real estate owned
- Bank statements
- Track record summary of completed deals
Benefits
- Capital on standby instead of loan-by-loan applications
- Interest only on drawn amounts
- Speeds up offers and closings
- Facilities can grow with your track record
Common challenges to plan for
- Unsecured facilities are smaller and pricier
- Secured facilities tie up property equity
- Annual reviews and renewals are standard
Frequently asked questions
Secured or unsecured, which is right for me?
Unsecured lines lean on your credit and are smaller and faster. Secured lines against property equity go larger with better pricing. Many investors run both.
Can I use a line of credit as a down payment?
Policies differ by the lender funding the purchase. Disclose your capital sources; your advisor will structure it correctly.
How large can investor credit lines get?
Size tracks your experience, financials, and collateral. Facilities scale as your portfolio and track record grow.
Is this the same as a HELOC?
Similar concept, different collateral rules. HELOCs attach to a primary residence; investor facilities attach to investment assets or the business.
How funding works with Bluejacket
Submit Your Request
Two minutes online with basic details about your goal.
Speak With a Funding Advisor
We review your situation and gather what lenders need.
Review Your Options
Compare structures side by side and pick what fits.
Receive Funding
Complete the lender's process and put capital to work.
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