The 50% Equity Loan | No Credit or Income Required | $75K–$5M

The 50% Equity Loan | No Credit or Income Required | $75K–$5M

The 50% Equity Loan

Get Approved Based on Equity—Not Credit or Income

If you own investment property with 50% equity, you're approved. No credit minimum. No income documentation. No tax returns. Fast closings in 7–10 days.

How the 50% Equity Loan Works

The 50% equity loan is an equity-based financing solution for investment property owners. Approval is determined by the equity in your property—not your credit score or income. If you have at least 50% equity, you qualify. This makes it faster and simpler than traditional bank financing, which requires extensive documentation, credit approval, and income verification. Our underwriting focuses on the value of your asset, allowing us to approve and fund loans in as little as one week.

Eligibility Criteria

  • 50% equity minimum in the subject property
  • Investment properties only
  • No credit minimum
  • No income documentation required
  • No tax returns
  • No W2s or paystubs
  • No employment verification
  • No asset seasoning requirements
  • Loan amounts: $75,000 to $5,000,000
  • Closings in 7–10 days

Property Types We Lend On

  • Single‑family residences (1–4 units)
  • Multifamily properties (5+ units)
  • Mixed‑use buildings
  • Commercial properties
  • Condos
  • Townhomes

Benefits of the 50% Equity Loan

Fast Approvals

Our equity‑based underwriting process delivers approval decisions in 24–48 hours.

Simple Underwriting

No complex income analysis. No credit checks. No employment verification. We evaluate the equity in your property and move forward.

No Income Verification

Self‑employed borrowers, foreign nationals, and investors with complex income structures qualify without submitting tax returns or financial statements.

No Credit Barriers

Bad credit, no credit, bankruptcy, foreclosure—none of these disqualify you. If you have 50% equity, you're approved.

Perfect for Investors

Designed specifically for real estate investors who need fast, flexible capital without the red tape of conventional loans.

Works for Foreign Nationals

No U.S. credit history or domestic income required. Foreign nationals with qualifying equity are approved.

Works for Self‑Employed Borrowers

No need to qualify based on tax returns or business financials. Your equity is your qualification.

Zero‑Documentation Requirements

You will not need to provide:

  • Tax returns
  • W2s
  • Paystubs
  • Bank statements
  • Employment verification
  • Minimum FICO score
  • Debt‑to‑income calculations
  • Personal financial statements

Loan Amounts & Terms

Loan Amounts: $75,000 to $5,000,000

Interest‑Only Options Available

Flexible payment structures designed for investor cash flow.

Short‑Term and Mid‑Term Structures

Choose the term that fits your investment strategy—whether you're refinancing, repositioning, or holding long‑term.

Timeline: How Fast You Can Close

24–48 Hours: Equity review and preliminary approval
3–5 Days: Underwriting and final approval
7–10 Days: Closing and funding

Our streamlined process eliminates the delays caused by income verification, credit review, and document collection. Once we verify your equity position, we move directly to closing.

Use Cases

The 50% equity loan is ideal for:

  • Cash‑out for property repairs or renovations
  • Cash‑out to fund new acquisitions
  • Refinancing out of hard money or bridge loans
  • Paying off balloon notes or maturing debt
  • Consolidating multiple investor loans
  • Foreign national property purchases
  • Self‑employed borrowers with no documentable income
  • Investors with credit challenges or recent bankruptcy
  • Portfolio repositioning and debt restructuring
  • Quick closings for time‑sensitive opportunities

Frequently Asked Questions

How can you approve a loan with bad credit?
We underwrite based on the equity in your property, not your credit history. Your credit score does not factor into our approval process. As long as you have 50% equity in an eligible investment property, you qualify.
Do you check income?
No. We do not require income documentation, tax returns, W2s, or paystubs. Our approval is based entirely on the equity position in your property.
Do you check employment?
No. Employment verification is not required. Self‑employed borrowers, retirees, and foreign nationals are all eligible without proving employment or income.
Can foreign nationals qualify?
Yes. Foreign nationals with 50% equity in a U.S. investment property can qualify. No U.S. credit history or domestic income is required.
What is the maximum loan amount?
We lend up to $5,000,000 on qualifying investment properties. Minimum loan amount is $75,000.
How fast can I close?
Most loans close in 7–10 days. After verifying your equity position, we move quickly through underwriting and can fund within one week.
What documents do I need?
You will need proof of property ownership, recent property appraisal or valuation, and basic identification. No financial documents are required.
Can I refinance into a conventional loan later?
Yes. Many borrowers use the 50% equity loan as a short‑term solution while they complete renovations, stabilize rental income, or improve credit. Once your situation aligns with conventional lending requirements, you can refinance into a lower‑rate product.
Do you lend on owner‑occupied properties?
No. The 50% equity loan is available for investment properties only. Owner‑occupied residences are not eligible.
Are there prepayment penalties?
Prepayment terms vary by loan structure. Most of our loans do not carry prepayment penalties, but confirm specifics with your loan officer during the application process.

Ready to Get Started?

If you have 50% equity in an investment property, you're approved. Submit your property details today and receive a preliminary approval within 24–48 hours. No credit check. No income verification. Fast closings.

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