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All Forum Posts by: Dwayne Rowe

Dwayne Rowe has started 1 posts and replied 5 times.

Creative Real Estate Financing

Post: Accessing equity from multiple properties

Dwayne Rowe
Pro Member
Posted
  • Investor
  • Augusta, GA
  • Posts 5
  • Votes 0

Thank you all for your feedback. I will explore the refi avenue to access the equity.

0 Votes
Augusta, Georgia
Creative Real Estate Financing

Post: Accessing equity from multiple properties

Dwayne Rowe
Pro Member
Posted
  • Investor
  • Augusta, GA
  • Posts 5
  • Votes 0
Quote from @John Morgan:

I’d do individual cash out refis on them to scale up.


Interesting approach, how would multiple refi affect my credit score?

0 Votes
Augusta, Georgia
Creative Real Estate Financing

Post: Accessing equity from multiple properties

Dwayne Rowe
Pro Member
Posted
  • Investor
  • Augusta, GA
  • Posts 5
  • Votes 0
Quote from @Ken M.:
Quote from @Dwayne Rowe:

How do I access equity spread across multiple properties? I currently have about $600K in equity spread across seven properties. Is any bank offering a HELOC based on the combined equity?

It may be tempting to treat them as one property and do what is called "cross collateralization" in order to maximize the amount you can borrow. But it is very risky and you can lose all of your properties if things go wrong. It's a domino effect. 

 Ken, I would prefer to do that, but I wasn't sure if any banks would offer that type of loan or line of credit.

0 Votes
Augusta, Georgia
Creative Real Estate Financing

Post: Accessing equity from multiple properties

Dwayne Rowe
Pro Member
Posted
  • Investor
  • Augusta, GA
  • Posts 5
  • Votes 0

Randy, thanks for your response. I will do some research on DSCR loans.

0 Votes
Augusta, Georgia
Creative Real Estate Financing

Post: Accessing equity from multiple properties

Dwayne Rowe
Pro Member
Posted
  • Investor
  • Augusta, GA
  • Posts 5
  • Votes 0

How do I access equity spread across multiple properties? I currently have about $600K in equity spread across seven properties. Is any bank offering a HELOC based on the combined equity?

0 Votes
Augusta, Georgia