This episode is sponsored by…
FIGURE:
Access your home equity in minutes—no refinance needed! go.figure.com/renttoretirement
Are you sitting on thousands in home equity—but unsure how to access it without sacrificing your low mortgage rate? In this episode, Zach Lemaster sits down with Tim Rowen, Director of Sales Success at Figure, to dive deep into a powerful wealth-building tool: HELOCs (Home Equity Lines of Credit) for investment properties.
Learn how investors are scaling faster by tapping into equity without the pain of a refinance. Figure’s tech-driven platform makes it easy, fast, and flexible—giving real estate investors access to capital they can use strategically.
🧠 Whether you're new to investing or looking to grow your portfolio, this episode shows you how to use HELOCs the smart way.
⏱️ Timestamps
00:00 - Introduction: Unlocking equity to scale your portfolio
00:34 - What is a HELOC & why Figure is different
01:50 - Tim Rowen’s background and why strategy matters
03:25 - How Figure helps investors access equity faster
04:58 - HELOC vs refinance: Why it matters for investors
06:12 - Understanding equity as a strategic tool
08:39 - The I.D.E.A.L. formula and how leverage plays a role
10:22 - How a HELOC works (recasting, redraw period, interest model)
13:34 - Using HELOCs as a reserve fund
16:18 - Loan-to-value limits: primary vs investment property
18:06 - Application process and soft credit pull
20:07 - No underwriters: Figure’s digital approval pipeline
22:08 - HELOC term options & redraw periods explained
24:46 - When NOT to use a HELOC (refi vs blended rate strategy)
27:32 - How Figure’s rates can outperform traditional loans
29:17 - Final thoughts: Run your Return on Equity, act strategically
30:56 - Where to apply for a HELOC with Figure
🔗 Apply for a HELOC and see your equity options in minutes:
go.figure.com/renttoretirement
📧 Got a question or story to share?Email us at: podcast@renttoretirement.com👍 Like this episode? Hit the thumbs up, subscribe, and turn on notifications so you don’t miss the next one!💬 Comment below with your biggest takeaway from this episode!🌐 Explore turnkey investing opportunities: https://www.renttoretirement.com🗓️ Schedule a Free Consultation:https://bit.ly/3EE6KjZ📺 Subscribe to the YouTube Channel:https://www.youtube.com/channel/UC_h1lnz1kM75Gj79VV8QtEg🎧 Listen to the Rent To Retirement Podcast on the Go:https://podcasters.spotify.com/pod/show/renttoretirement📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:https://renttoretirement.com📩 Have Questions for the Podcast?Send them to: podcast@renttoretirement.comYour question might be answered in a future episode!#HELOC #RealEstateInvesting #RentalProperty #PassiveIncome #CashFlow #InvestmentStrategy #Figure #Equity #FinancialFreedom #RentToRetirement
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