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Home Equity Line of Credit With A Non Owner Occupied Property - What You Should Know?Year Non-Owner Occupied Fixed Rate Loan- Minimum 30% equity required or 30% down payment if funds will be used to purchase a residential rental property. Lines of credit for non-owner occupied homes are available, but they're not as easy to get as it is on your primary residence. Few lenders are. Credit lines range from $10, to $, to qualified buyers, up to 75% CLTV