LLC-Owned Property and HELOCs: Which Programs Accept Entity Vesting
If your investment property is held in an LLC, eligibility may matter before rate. Most digital HELOC programs do not currently accept LLC vesting — which means the property would need to be in individual or trust vesting to qualify. Here is the current snapshot.
LLC Eligibility by Program
Not currently accepted. Investment property generally must be in eligible individual or trust vesting.
Not currently accepted. Investment property generally must be in eligible individual or trust vesting.
Not eligible under current general program. Living trust vesting is potentially eligible.
Potentially yes on qualifying non-primary property, subject to credit, state, and entity requirements. This is not a blanket acceptance — specific entity type, state, and credit requirements apply.
Yes for eligible investment properties. This is a major differentiator. Deephaven's LLC acceptance is one of the clearest in the digital HELOC space for investment property.
Do not deed property out of or into an LLC without discussing the legal, tax, and financing consequences with appropriate legal and tax professionals. Changing vesting to qualify for a HELOC can have significant unintended consequences.
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Shop My HELOC OptionsProgram information last reviewed: August 2026
HELOC guidelines change frequently. LLC eligibility and program availability may change without notice. This information is educational and is not a loan approval, commitment or guarantee.