Calculator Documentation
HELOC Investor Analyzer
Calculate how much equity you can tap from investment properties to fund new acquisitions
Schema version 2.0.0 · Category: investment
Inputs
Investment Property
Your investment property value and existing debt
| Field | Type | Default | Notes |
|---|---|---|---|
| Property Value | currency | $400,000 | Current market value of your investment property |
| Current Mortgage Balance | currency | $250,000 | Remaining balance on existing mortgage |
HELOC Terms
Rate, LTV cap, and draw amount
| Field | Type | Default | Notes |
|---|---|---|---|
| Max LTV | percentage | 75.00% | Most investor HELOCs cap at 75% combined LTV |
| HELOC Rate | percentage | 9.00% | Current HELOC interest rate (variable) |
| Draw Amount | currency | $50,000 | How much you plan to draw for your next deal |
Next Deal Analysis
Target acquisition details
| Field | Type | Default | Notes |
|---|---|---|---|
| Target Purchase Price | currency | $200,000 | Purchase price of your next investment |
| Target Down Payment % | percentage | 25.00% | Down payment needed for next property |
Calculations
Every figure this calculator produces, in evaluation order. Formulas reference input ids, parameters, and earlier calculations.
totalEquityTotal equity in the property
propertyValue - currentMortgageBalance
maxBorrowableMaximum borrowable equity based on LTV cap
max(0, (propertyValue * maxLTV) - currentMortgageBalance)
approvedDrawApproved draw amount capped by max borrowable
min(drawAmount, maxBorrowable)
currentLTVCurrent loan-to-value ratio before HELOC
if(propertyValue > 0, (currentMortgageBalance / propertyValue) * 100, 0)
combinedLTVCombined LTV with HELOC draw
if(propertyValue > 0, ((currentMortgageBalance + approvedDraw) / propertyValue) * 100, 0)
ltvHeadroomRemaining LTV room before hitting max
(maxLTV * 100) - combinedLTV
monthlyInterestOnlyMonthly interest-only payment on the draw
approvedDraw * (helocRate / 12)
annualInterestCostAnnual interest cost on the draw
monthlyInterestOnly * 12
targetDownPaymentDown payment required for next acquisition
targetPurchasePrice * targetDownPaymentPct
dealsFromEquityNumber of deals fundable from max equity
if(targetDownPayment > 0, floor(maxBorrowable / targetDownPayment), 0)
canFundNextDealWhether the draw covers the next down payment
if(approvedDraw >= targetDownPayment, 1, 0)
cannotFundNextDealInverted funding flag for the verdict (0 = covered, 1 = shortfall; recommendation thresholds are lower-is-better)
1 - canFundNextDeal
shortfallShortfall between draw and required down payment
if(approvedDraw < targetDownPayment, targetDownPayment - approvedDraw, 0)
leverageRatioProperty value per dollar of equity used
if(approvedDraw > 0, targetPurchasePrice / approvedDraw, 0)
remainingEquityEquity remaining after HELOC draw
totalEquity - approvedDraw
Put this calculator on your site
Every plan includes the HELOC Investor Analyzer with your branding, share links, and PDF scenario reports.