Here’s the detailed breakdown of the top HELOC options for investors, now including Loan‑to‑Value (LTV or CLTV), average interest rates, and draw periods wherever available: --- 1. Quorum Federal Credit Union – Investment HELOC LTV / CLTV: Up to 95% combined LTV for second‑lien HELOCs in select states. First‑lien HELOCs offer up to 90% max LTV. Interest Rates: Variable rate based on Prime index plus margin. Floor APR around 4.95%, ceiling at 18%. Rate discounts available (e.g., checking account or CD balances) . Draw Period: No specific required draw at closing, and typical HELOC structure—likely a standard 10‑year draw followed by repayment—but exact draw duration isn’t stated. --- 2. PNC Bank – Choice HELOC (Investor Option) LTV / CLTV: Not explicitly stated in sources; likely conventional ~80‑90%, with variations based on credit and property. Interest Rates: APR ranges from approximately 8.68% to 16.35%, variable or fixed. Discounts include 0.25% for autopay or early months. Draw Period: 10 years. --- 3. PenFed Credit Union (Specific LTV, rates, draw period data for investors not found in sources; falls back on prior ranking) LTV / CLTV: Not available in reviewed sources. Interest Rates: Rates generally start around 7.625% but may vary. Draw Period: Not specified in available sources. --- 4. Connexus Credit Union (Again, details limited in sources) LTV / CLTV: Not listed. Interest Rates: Not specified. Draw Period: Not specified. --- 5. National Banks (Wells Fargo, BofA, U.S. Bank, etc.) (General category—individual specifics vary by bank) LTV / CLTV: Typically limited to standard 80–90%; stricter for investment properties. Interest Rates: Not specified here; usually higher for non-owner-occupied properties. Draw Period: Generally around 10 years, but depends on each bank. --- Summary Table Lender / Option LTV / CLTV Interest Rate (APR) Draw Period Quorum FCU – Investment HELOC Up to 95% (2nd lien); 90% (1st lien) Floor ~4.95%, ceiling 18%, Prime-based Standard (~10 yr; not explicitly stated)