06/11/2026
Unlock the hard-earned equity hidden in your rental properties without sacrificing your incredibly low mortgage rate.
If you bought or refinanced an investment property a few years ago, you're likely sitting on a goldmine of equity. But with today’s interest rates, refinancing your entire mortgage just to cash out simply doesn't make sense. You shouldn't have to give up a great rate to access your own money.
With Keen Lending’s Non-Owner Occupied Home Equity Loans, you get the best of both worlds. You can tap into your property's value to grow your portfolio while keeping your original, low-rate mortgage exactly as it is.
Why Investors Love This Program
✅Protect Your Low Rate: Leave your current, low-interest first mortgage completely untouched.
✅Fund Your Next Move: Use the cash to buy your next property, fund renovations, or consolidate higher-interest business expenses.
✅Peace of Mind: Enjoy predictable, fixed monthly payments with flexible 10, 15, 20, or 30-year terms. No surprise rate hikes!
The Details
We like to keep things straightforward. Here is a quick look at what we're looking for:
✅Loan Amounts: From $50,000 up to $250,000 to help fuel your goals.
✅Credit Score: A minimum FICO score of 700.
✅Borrowing Limit: Up to 70% of your property's total value (capped at 60% for spacious properties between 10 and 40 acres).
✅Debt-to-Income (DTI): A maximum DTI of 45%.
Good to Know: Because this loan is strictly for investment purposes, we’ll just need you to sign a standard Business Purpose Attestation. Also, if you’d like to use the property's rental income to help you qualify, we will just need a standard 1007 rent survey.
Your equity is waiting, let’s put it to work! Reach out to the Keen Lending team today to see how much capital you can comfortably unlock from your portfolio.
Chris Foster
Broker Owner Keen Lending NMLS - 1966024
540-986-6262
[email protected]
www.KeenLending.com
