Benefits of a conventional loan
Pros
Lowest interest rates
Lower down payment (3-20%)
Choose from several rental mortgage types
Cons
Can be difficult to qualify
Requires W2 Income
Only for individuals, not businesses (LLC)
From DSCR and fix-and-flip to HELOCs — access capital tailored to real estate investors.
Baselane has hand selected lenders across
the country to help best fit your needs.
When it comes to your next investment property, you need a trusted financing partner to close the deal. That's why Baselane has hand selected trustworthy and knowledgable lenders who are committed to offering your best products and guidance.
An adaptable team committed to you and your business.
Knowledgeable people dedicated to your success.
Fast, friendly, and reliable loan, every time.
Committed to transparency and long-term relationships.
We work with buy and hold, fix and flip and short-term rental investors.
Lean on our knowledgeable and responsive loan officers. They'll guide you, ensuring you secure the most fitting and competitive financing options. As you grow and evolve, expect our support, rates, and benefits to adapt with you.
Your dedication hasn't gone unnoticed. We're ready to provide customized solutions and streamlined digital processes designed to help you scale even further.
Yes — through our partner Figure, you can access a Home Equity Line of Credit (HELOC) to unlock capital from your existing property. Whether you’re buying your first rental, renovating to increase value, or house hacking with Airbnb, a HELOC offers flexible funding without refinancing. You only pay interest on what you draw — and approvals can happen in days.
A HELOC is a credit line secured by the value of your home, minus any existing mortgage owed. You can borrow against it, spend, repay, and borrow again using your home as collateral.
A HELOC works like a credit card: you’re approved for a credit limit based on your home equity, can borrow as needed during the draw period, and repay over time with interest only or full payments.
To qualify for a HELOC, you need good credit, stable income, low debt, and enough home equity—usually 15–20%.
You can typically borrow up to 85% of your home’s value minus your remaining mortgage balance.
You can access HELOC funds through checks, a debit card, or online transfers as needed during the draw period.
Yes, home appraisal is required to determine your property’s current market value before approving a HELOC.
Yes, you can refinance a HELOC to get better terms, lower rates, or convert it to a fixed-rate loan.
You repay a HELOC in two phases: interest-only payments during the draw period, followed by principal and interest payments during the repayment period.
A home equity loan gives you a lump sum with fixed payments, while a HELOC is a credit line you can draw from as needed, with variable payments.
