Canady Investments

How much can you borrow against your property without refinancing?

A business-purpose line behind the mortgage you already have — so a 3% first mortgage stays a 3% first mortgage. See the line your equity supports before you talk to anyone.

Your primary residence or a second home. Business-purpose use of proceeds only — this is not a consumer home-equity loan. Available in 32 states. In Texas and New York the line goes no further back than a 2nd lien, second homes and investment property are not eligible, and Texas carries a $35,000 minimum.

What the property is worth

What you still owe on it (all existing mortgages)

Credit score

Where this line would sit (1st, 2nd, or 3rd)

Interest rate (your estimate — the desk confirms the real one)

Repayment term (10, 15, 20, or 30)

yrs

Gross monthly income (0 to skip the income test)

$/mo

Monthly debt payments you already make

$/mo

Example — a $480k home with $290k still owed, 740 score, line sitting in 2nd position, 10.5% over 30 years. Illustrative only, not a client.

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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.