Investor Market Update for AZREIA Members

Andrew Augustyniak | Neighborhood Loans

As we move through the fall market, I want to give our AZREIA members an updated look at what’s happening in financing, along with a breakdown of one of the most powerful tools we now have available to real estate investors: the Investor AI HELOC. This product has been a game-changer for many of our investors looking to tap equity quickly, efficiently, and without the traditional headaches that come with pulling cash out of rental properties.

The Truth About “Portable Mortgages” in the U.S.

There’s been a lot of noise lately about “portable mortgages” — the idea that you could take your 2–3% interest rate with you when you move. It sounds amazing in theory, but in practice, it’s simply not something the U.S. mortgage system is built for.

Portability works in countries like Canada because their mortgages only fix the interest rate for about five years at a time. Investors there don’t commit to a 30-year fixed yield, so moving the loan to a new property is manageable.

Here in the U.S., the 30-year fixed is the core product. Investors who purchased mortgage-backed securities at 2.5% rates are not going to allow that loan to be transferred to a completely different property while keeping the same rate locked for decades. Beyond that, the entire U.S. lending infrastructure—from servicing systems to compliance regulations—was never designed for merging or splitting existing mortgages.

Long story short: portable mortgages are “talk,” not a real policy under consideration, and unless the U.S. moves away from the 30-year fixed as the dominant product (which is extremely unlikely), portability won’t exist here.

A New Way to Access Capital: The Investor AI HELOC

One of the biggest challenges for investors—especially those scaling portfolios—is accessing equity without derailing timelines, getting buried in paperwork, or running into lender overlays that slow everything down. Our new Investor AI HELOC solves all of that.

This product lets you pull equity out of almost any investment property with a process that is incredibly streamlined: minimal documentation, fast approvals, and fast funding. It gives investors the ability to free up capital from existing rentals and redeploy that money into new acquisitions, improvements, or higher-return opportunities. The speed and flexibility of this HELOC makes it one of the most investor-friendly tools I've ever seen in the space.

What makes it such a standout product?

AI-driven valuations allow extremely fast turn times.

No tax returns or heavy documentation—designed for real investors.

Flexible draw access

Great for scaling portfolios quickly

Works on properties traditional lenders usually complicate.

If you’ve been sitting on a lot of locked-up equity waiting for “the right time” to refinance or restructure, this offers a way to leverage that capital now without replacing your first mortgage or disturbing existing financing. It’s one of the best leverage tools available in today’s environment.

What This Means for Investors

Since portability isn’t an option, leveraging your current equity becomes even more important — and that’s exactly why the Investor AI HELOC is such a powerful tool for today’s market. Instead of waiting for policy changes or trying to force a system to work a certain way, investors can take control of their existing assets and use them to scale right now.

Many investors in our group have already started using this HELOC product to acquire additional doors, fund renovations, or build liquidity. If you want to run numbers or see how much capital you can pull from your properties, I’m happy to put together a full breakdown.

And for those of you looking outside Arizona, we also partner with a national investment group that provides a true white-glove experience for purchasing rentals in other states. If you want access to vetted markets, vetted property managers, and hands-off acquisition support, just let me know.

As always, I’m here to help you strategize, run scenarios, and continue building your portfolio the smart way.