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All Forum Posts by: Miguel A. Martinez

Miguel A. Martinez has started 1 posts and replied 3 times.

Creative Real Estate Financing

Post: HELOC or Cash-Out Refi?

Miguel A. MartinezPosted
  • New to Real Estate
  • Eagle Pass, TX
  • Posts 3
  • Votes 2

Excellent, Chris! It helps me understand both options much better now. Thank you!

0 Votes
San Antonio, Texas
Creative Real Estate Financing

Post: HELOC or Cash-Out Refi?

Miguel A. MartinezPosted
  • New to Real Estate
  • Eagle Pass, TX
  • Posts 3
  • Votes 2
Quote from @Trenton Engle:
Quote from @Miguel A. Martinez:

Hi, guys. Thank you for all your advice. I am looking to tap into my primary residence equity. It's a substantial amount. I will be using the equity to pay off all my personal debt and will have a good amount of cash left over for a down payment on an FHA loan to buy my first investment property to house-hack. Should I go with HELOC or cash-out refi? What loan companies do you recommend that can do this? Thank you!

Hey  Miguel,

So it’s a hard question to answer as both have pros and cons, and the products and vary widely. 

Generally speaking people prefer HELOCs as some lenders, myself included, can tap into a larger amount of equity with them compared to a regular cash out. But again, not until you view all the numbers can you say for sure. 

I’ll message you to help determine what is right for you! 


 Awesome! Thank you, Trenton for your help.

1 Vote
San Antonio, Texas
Creative Real Estate Financing

Post: HELOC or Cash-Out Refi?

Miguel A. MartinezPosted
  • New to Real Estate
  • Eagle Pass, TX
  • Posts 3
  • Votes 2

Hi, guys. Thank you for all your advice. I am looking to tap into my primary residence equity. It's a substantial amount. I will be using the equity to pay off all my personal debt and will have a good amount of cash left over for a down payment on an FHA loan to buy my first investment property to house-hack. Should I go with HELOC or cash-out refi? What loan companies do you recommend that can do this? Thank you!

1 Vote
San Antonio, Texas