In traditional lending, qualification is like a three-legged stool: you need good credit, a stable income, and a solid property. If one leg is missing, the stool falls over.
But with the HardFunded Easy 50 Equity Loan, we’ve removed two of those legs. Because we lend at a conservative 50% Loan-to-Value (LTV), the property itself provides enough security that your personal background becomes secondary.
So, who actually qualifies? If you fit into any of the following categories, you are the ideal candidate for this “weaponized” financing tool.
1. The Asset-Rich Investor with “Messy” Paperwork
Traditional banks struggle with self-employed investors who take significant tax write-offs. On paper, your income might look low, even if your bank account is healthy.
- You Qualify If: You own a property (or are buying one) that has 50% or more equity, regardless of what your last two years of tax returns say.
2. The Investor with a “Credit Event” in Their Past
Foreclosures, bankruptcies, or high credit card utilization can tank a FICO score for years. Most lenders will make you wait 7 years to borrow again.
- You Qualify If: You have a solid real estate deal today. We don’t punish you for your financial history; we fund you based on your current asset’s value.
3. Foreign Nationals and International Investors
If you aren’t a US citizen, you likely don’t have a Social Security Number or a US credit score. This makes you “un-lendable” to 99% of American banks.
- You Qualify If: You are an international buyer with 50% capital to put down on a US investment property. Your passport and your equity are your “credit.”
4. The “Speed-to-Market” Pro
Sometimes you qualify for a bank loan, but you don’t qualify for the timeline. If a distressed property hits the market, you need to close in 7 days, not 60.
- You Qualify If: You need to beat out all-cash buyers and have enough equity to bypass the traditional appraisal and underwriting “slog.”
5. Owners of “Non-Conforming” Properties
Banks love “cookie-cutter” houses. They hate mixed-use buildings, properties in need of heavy repair, or unique commercial spaces.
- You Qualify If: Your property—whether it’s a rental, a storefront, or a mixed-use unit—has a clear value and a 50% equity cushion.
The 3 Simple “Must-Haves” to Qualify
While we don’t check credit or income, there are three things every HardFunded borrower must have:
- 50% Equity or Down Payment: This is the “magic number” that eliminates the need for a credit check.
- A Non-Owner Occupied Property: These loans are for business purposes—investment properties, rentals, and commercial units.
- A Clear Exit Strategy: Whether you plan to sell the property or eventually refinance into a long-term loan, you need a plan for the capital.
Conclusion: Your Equity is Your Qualification
Stop asking a bank if you are good enough for a loan. Start asking if your deal is good enough. At HardFunded, if you have 50% equity, the answer is “Yes.”
Ready to see if your property qualifies? Visit HardFunded.com to get your Easy 50 Equity Loan Approval today.