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Your roadmap - equity to rental

Turn Equity Into a Rental

You stay in your home. Your idle equity funds the down payment on a separate rental. Here is the path from equity access to two assets building wealth - start to close.

Steps8discovery to wealth building
Decision questions4is this the right tool?
Wealth engines4see the table below
Properties after2both working for you
1

Discovery

You

Your goals, equity position, and comfort level with owning a rental.

2

Your analysis

You

Real numbers in LendSight - cash flow and wealth building kept in separate buckets.

3

Line of credit

Partner

Referral to a trusted credit-union partner to access your home equity. Primary mortgage untouched.

4

Pre-approval

Lender

Investment-property pre-approval in hand before you shop.

5

Shop with your agent

Agent

Your Realtor partner helps you find and analyze the right rental property.

6

Close

Title

Buy the investment property. Your primary home and mortgage stay exactly where they are.

7

Lease it

You

Tenant screened and placed. Rental income starts flowing; tenant begins paying down your loan.

8

Build wealth

You

Two properties working for you. Review the plan together every year.

Cash flow (money in / out - monthly)

Rent collected+{{example.rent}}
Less: rental PITI (illus.)See your analysis
Less: vacancy + upkeep reserve-{{example.reserve}}
Net monthly cash flow+{{example.cashNet}}

NoVA is an appreciation market; modest monthly cash flow is normal. HELOC carry cost appears in your personal analysis.

Wealth building (equity growth / yr)

Appreciation (rental, ~4%/yr)+{{example.apprYear}}
Principal paydown (tenant)+{{example.principalYear}}
Depreciation deduction~{{example.depreciationYear}}
Plus: primary also grows+{{example.primaryApprYear}}

This is the real driver. None of it appears in the cash-flow column above.

Example home value
{{example.primaryValue}}
Equity to tap
~{{example.tappable}}
Investment property
{{example.invPrice}}
Rental equity, yr 10
~{{example.inv10Equity}}

Is this the right tool? Equity access decision path

1

Happy with your primary mortgage? If yes, a line of credit taps equity without disturbing that loan - a cash-out refinance would replace it entirely.

2

Comfortable carrying two liens? A HELOC sits behind your primary mortgage as a separate obligation with its own draw and repayment terms from the partner lender.

3

Reserves set aside for vacancy and upkeep? Lenders and good practice both expect a cushion beyond the down payment before you draw.

4

Ready to keep cash flow and wealth separate? If yes, you are ready for pre-approval - your personal analysis keeps the two buckets apart.

A fact path, not a recommendation. Your loan officer and the credit-union partner confirm what actually applies to you - this box states no rate, payment, or term.

Scan for your free equity and rental analysis

See your own numbers - free

Scan the code or reach out. We build your personalized equity + rental analysis: your tappable equity, your cash flow, your 10-year wealth picture.

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{{compliance.pendingLabel}}   Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Rental income, appreciation, and tax treatment vary and are not guaranteed; consult a tax advisor. Home equity lines of credit are offered by a third-party credit union, not {{lo.company}}; no rates or terms are quoted. Investment-property rates shown are illustrative, not a commitment to lend; all loans subject to underwriting approval. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals. NMLS Consumer Access: www.nmlsconsumeraccess.org.