Equity-to-Capital Calculator

Use the equity in your property without giving up the mortgage rate you have.

A business-purpose line sits behind your existing first mortgage, so a low fixed rate stays in place. See the line your home or rental supports before you talk to anyone.

Texas primary residence or investment propertyBehind your existing mortgageNo credit pull

Your numbers

Change anything. The result updates when you press the button.

The home you live in, in Texas, for a business purpose. Texas home-equity rules apply: the line sits in 2nd position behind your first mortgage, the minimum line is $35,000, and all loans on the home together stay at or under 80% of its value. The desk confirms eligibility.

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Example — a $450k Texas home with $220k still owed, 740 score, line in 2nd position, 10.5% over 30 years. Illustrative only, not a client.

Where should we send your result?

Add your details and your result appears right away. We email you a copy, and you can ask a person on the desk to review it.

Optional — tick only what you want. None of these is required, and leaving them all unticked does not affect your request in any way.

By the numbers

Public data with its source and date, and the firm's own figures from its verified facts library.

7.40%30-year fixed mortgage averageSource: Freddie Mac Primary Mortgage Market Survey, via FRED series MORTGAGE30US, Oct 8, 2026
7.00%Bank prime loan rateSource: Federal Reserve (H.15), via FRED series DPRIME, Oct 2, 2026
30lenders whose written credit box we hold in-systemSource: Canady Investments verified facts library, updated Aug 5, 2026

Have the desk review it

A person on our desk reads every request and replies directly. Your result above is yours either way, and sending it unlocks the guide: the math behind this number, worked through, with sourced figures.

Add your details above to see your result. You can then ask a person on the desk to review it.

What to have ready

The documents a lender asks for on this kind of request.

  • Completed loan application (URLA / Form 1003) — signed
  • Business-purpose certification and use of funds (signed)
  • Driver's license (front & back)
  • 90 days of recent bank statements
  • LLC documents: EIN letter (SS-4), Operating Agreement, Articles of Organization/Formation, Certificate of Good Standing
  • Lease agreement (if rented)
  • 12-month mortgage payment history (VOM)
  • Insurance policy or insurance agent contact

Educational and business-purpose only. Not a loan offer, a commitment, or a guarantee of funding or terms. Canady Investments is a broker to a network of capital providers; actual terms depend on the lender.

Canady Investments is a private capital office. We arrange business-purpose financing and coordinate the licensed professionals in your corner. We are not a registered investment adviser, broker-dealer, or law or accounting firm; legal, tax, and investment advice is provided only by licensed professionals. We also license our software platform to business clients on a subscription basis; the platform is provided "as is," and licensing it does not make Canady a party to any client's transactions. For business principals and accredited investors. This is a request for information — not an offer, an application, or a commitment of any kind. © 2026 Canady Investments.