HELOC Velocity Calculator - Secure The Funding

Your HELOC

Available HELOC limit ($)

HELOC rate (%)

Current HELOC balance ($)

Monthly household income ($)

Monthly household expenses ($, excl. investment)

Investment Property

Purchase price ($)

Down payment ($)

Monthly rent income ($)

Property mortgage rate (%)

Annual property expenses ($)

Loan term (years)

Acceleration Strategy

Extra monthly payment to HELOC ($)

% of rent swept to HELOC (%)

All income parks in the HELOC daily — reducing the balance (and daily interest accrual) until bills are paid. Net monthly surplus + rent sweeps attack the HELOC principal continuously.

Summary snapshot

HELOC draw

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for down payment

Monthly surplus

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income minus bills

Total paydown/mo

—

to HELOC balance

Payoff months

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accelerated

Property P&I payment—

HELOC interest (month 1)—

Net cash flow (property)—

Available HELOC remaining—

HELOC % utilized—

Phase 1 — Fund the deal

Draw from HELOC for down payment. Property mortgage handles the rest. HELOC interest begins immediately on the draw amount.

Phase 2 — Accelerated paydown

All rent + household surplus + extra payments sweep into HELOC daily. Balance drops faster, saving interest every single day.

Phase 3 — HELOC as checking account

Once paid off, income deposits reduce principal daily. Expenses draw it back. Interest only accrues on the daily average — often near zero.

How the deal gets funded

Property purchase price—

Down payment (from HELOC)—

Investment property mortgage—

Closing costs (est. 2%)—

Total HELOC draw—

Remaining HELOC available—

Monthly cash flows after closing

Gross rent—

Property expenses—

Property mortgage P&I—

Property net cash flow—

HELOC interest (month 1)—

True net (after HELOC cost)—

Day 1 balance sheet

HELOC drawn

—

Property equity

—

HELOC interest/mo

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HELOC interest/day

—

Every dollar of income that parks in the HELOC account — even for one day — reduces the daily average balance, which is what interest is calculated on. This is the core mechanic of the All-in-One / velocity banking strategy.

Interest cost over time (no acceleration)

Accelerated HELOC paydown

Every dollar of surplus income and rent gets swept into the HELOC. Because HELOC interest is calculated daily on the average balance, reducing the balance earlier saves compounding interest — not just on that day but every day forward.

Monthly cash waterfall

Household income—

Rent swept to HELOC—

Household expenses (drawn from HELOC)—

Property mortgage P&I—

Property operating expenses—

Extra HELOC payment—

Net monthly balance reduction—

Paydown milestones

Months to payoff

—

Total interest paid

—

Interest saved

—

vs. interest-only

Payoff date

—

Amortization schedule (every 3 months)

Month	Balance	Interest	Net Payment	Remaining

HELOC as your checking account

Once the HELOC hits $0, it becomes your high-velocity checking account. Paycheck deposits first — reducing the balance and daily interest immediately. Expenses draw it back up. You only pay interest on the average daily balance, which is far lower than your gross draw.

How a typical month works

Income deposits (day 1)—

Expenses drawn over the month—

Peak balance (end of month)—

Average daily balance—

Monthly interest on avg balance—

vs. fully drawn all month—

Annual interest — HELOC checking vs. traditional

HELOC-as-checking annual interest—

Traditional mortgage interest (yr 1)—

Annual interest savings—

HELOC fully free

—

month

Interest saved phase 2

—

HELOC capacity freed

—

for next deal

More deals possible

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Cycle the strategy — repeat with freed equity

HELOC velocity strategy vs. traditional financing

Traditional approach

Down payment sourceSavings account

Down payment costOpportunity cost only

Income parkingBank (~0.5% APY)

Mortgage paydownFixed amortization

Interest calculationMonthly on balance

Equity accessRefi or new HELOC

Time to next dealYears of saving

Total interest (30yr prop)—

HELOC velocity strategy

Down payment sourceHELOC draw (same day)

Down payment cost—

Income parkingHELOC (reduces interest)

Mortgage paydownAccelerated via sweeps

Interest calculationDaily average balance

Equity accessImmediate (revolving)

HELOC paid off in—

Total HELOC interest paid—

Net impact comparison

Interest saved

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Months saved

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Extra deals possible

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Additional rent income

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HELOC Velocity Engine