The Easy 50
Equity Loan.
If your property has 50% equity, you are approved.
No credit minimums. No tax returns. No income docs.
*For Investment Properties Only
Credit Doesn't Matter
Foreclosures, Bankruptcies, and Low FICO scores are 100% acceptable. We fund the asset, not the borrower.
True No-Doc
No Tax Returns. No P&Ls. No 4506-Ts. We qualify the loan based strictly on the Collateral Position.
Maximize Cash Flow
5-Year Interest-Only payments available. Keep your monthly costs low and boost your ROI immediately.
Foreign Nationals
Non-US citizens are fully eligible. Use your liquid cash to secure US real estate without traditional hurdles.
Zero Documentation Requirements
Stop jumping through traditional banking hoops.
Eligible Property Types
Loan Amounts: $75K – $5,000,000
1-4 Unit SFR
Multi-Family 5+
Mixed-Use
Commercial
Get Your Equity Approval
Complete the form below to check your eligibility
*Investment Properties Only. Loan amounts up to $5,000,000. Rates and terms subject to change.
Your Investment Strategy
Simple 50% LTV requirements for every scenario
Purchase
Acquire new investment property quickly with zero income docs.
50% Down PaymentRefinance
Replace a maturing loan or a high-interest bridge note easily.
50% Equity RequiredCash-Out
Unlock liquidity from your portfolio for your next big project.
50% Max LTVA Bridge to Stabilization
Many of our clients use the Easy 50 as a "rescue loan." Once your credit is repaired or your income documentation is ready, you can refinance into a lower-rate traditional product. We provide the capital you need today so you don't miss tomorrow's opportunity.
FAQ
Everything you need to know about the Easy 50 Equity Loan
How can you approve a loan with a very low credit score?
Traditional banks look at the person; we look at the property. Because this program is limited to a maximum of 50% Loan-to-Value (LTV), your equity serves as the primary security for the loan, allowing us to waive minimum credit score requirements.
Can I refinance out of this loan later?
Yes. While this is a 30-year fixed-rate loan, it is designed with flexibility in mind. If your financial situation improves in a few years, you can refinance into a different product.
What does "Simple Documentation" mean?
It means we don't ask for tax returns, P&L statements, W2s, or 4506-T forms. We typically only require an application, an appraisal, and title work to fund your deal.
Does this work for Foreign Nationals?
Yes. This is one of our most popular programs for foreign investors. Since we don't require US credit history or domestic income verification, it is the fastest way for international clients to secure US investment properties.
Is there a maximum loan amount?
We can fund individual loans from $75,000 up to $5,000,000. For portfolios involving multiple properties, we can often go even higher.
What is the "Interest-Only" option?
To help you maximize cash flow, we offer a 5-year Interest-Only period. This significantly lowers your monthly debt service during the first five years of the loan, which is ideal for stabilizing a property or increasing ROI.
"HardFunded.com is ready to find you a loan."
The Motley Fool"I needed to pull $450k out of a stabilized multi-family asset to fund a new acquisition. HardFunded cleared my equity in days based strictly on the property value. This is the most efficient asset-based process I've used in 15 years of investing."
How the 50% Equity Works
The "Easy 50" solves unique challenges for these common scenarios:
Purchase Example
- Property: Mixed-Use Building
- Purchase Price: $500,000
- Down Payment: $250,000 (50%)
Buyer with limited documentation secured funding with a 50% down payment.
Rate & Term Refi
- Property: Single-Family Rental
- Property Value: $980,000
- New Loan: $490,000 (50% LTV)
Investor refinanced out of a high-interest bridge loan into a 30-year fixed term.
Cash-Out Refi
- Property: Multi-Family (12-Unit)
- Property Value: $1,900,000
- Cash to Borrower: $700,000
Borrower with credit challenges pulled equity to fund their next acquisition.