Rental Financing Question

[Christy Lin]

(asking for a friend)

My friend has a condo in ATL that they rented out and wants to keep as an investment property. They have a HELOC on it that has come to maturity. Can they refinance without having to pay the HELOC off first? Could it be re-fi'd into a DSCR? Are there any other creative financing options that will "absorb" the mortgage and HELOC back into one loan?