Market Pulse & Equity Power: July Lending Update for Arizona Investors
Market Pulse & Equity Power: July Lending Update for Arizona Investors
Andrew Augustyniak – Neighborhood Loans
As we head into mid-summer, Arizona’s real estate market continues to present both opportunities and challenges. While inventory remains tight in many metro areas, we’re finally seeing a bit of rate relief over the past several weeks—welcome news for buyers and investors who’ve been watching the sidelines.
Rate Watch: Slightly Down, Sentiment Rising
Over the past two weeks, we’ve seen mortgage rates tick slightly lower as inflation data softens and the market adjusts expectations for future Fed rate cuts. While we’re not back to the 4–5% range yet, today’s rate environment is offering more breathing room for investors running cash flow models. Whether you're buying with a DSCR loan, conventional financing, or leveraging a HELOC, now is a smart time to reassess your capital position.
Equity Is Sitting Idle — Unlock It with Our Investor HELOC
One of the biggest frustrations for seasoned investors right now? Trapped equity. Most banks simply won’t offer HELOCs on investment properties, and if they do, the terms are restrictive and slow.
That’s why we’re excited to offer a new investment property HELOC designed specifically for real estate investors. Through our AI-powered platform at theHELOC.com, we can help you unlock equity from your rental properties and turn it into usable capital for:
Down payments on new deals
Renovation budgets
Paying off high-interest business or personal debt
Emergency reserves or liquidity strategies
Why It’s a Game Changer:
✅ Works on non-owner-occupied properties
✅ No full refinance required — keep your low first mortgage
✅ Quick closings with automated valuation in many cases
✅ Access up to $500K+ in equity
✅ Interest-only payments on what you borrow
✅ No impact on DTI or personal income (great for self-employed)
Most traditional lenders won’t even consider this, but we’ve built a system specifically for investors like you who need flexibility, not red tape.
Final Thoughts
Rates are showing signs of easing, and equity is abundant for many AZREIA investors. Whether you're expanding your portfolio or looking to build liquidity without refinancing out of a great rate, now is a smart time to act. We’re here to help you make strategic moves — not just transactional ones.
Reach out to learn how our investment HELOC or low-down DSCR loans can work for your next project.