Unlock Capital From
Your Investment
Properties.
HardFunded approves based on one thing: your property's equity. No credit minimum, no FICO score, no income docs, no tax returns — just 50% equity or down payment required.
Loan Range
Only Requirement
To Close
No Minimum
Qualification Checklist
Conventional Lenders
Work Against Investors.
Investment property financing through a bank is designed for W-2 employees with spotless credit — not active investors managing multiple properties, complex income streams, or self-employment.
Debt-to-income ratios, rental income seasoning requirements, and minimum FICO thresholds all exist to filter out the borrowers who actually need flexible capital most.
HardFunded's investment property equity loan flips that model. The asset is the loan. If you have 50% equity or a 50% down payment, you qualify — regardless of what your credit report or tax returns say.
50% Equity in the Property
If you already own the property, you must hold at least 50% equity based on current appraised or market value. This is the core qualification — no exceptions, no workarounds needed for anything else.
50% Down Payment for Acquisitions
Purchasing a new investment property? Bring 50% as a down payment and you qualify from day one — even with no established equity history on the asset.
No Credit Score or FICO Minimum
We never pull credit. Your FICO score — whether it's 450 or 800 — has no bearing on approval. Borrowers with prior bankruptcies, foreclosures, and collections qualify regularly.
No Income Documentation
No W-2s, pay stubs, profit-and-loss statements, or bank statements are ever requested. Whether you're self-employed, between jobs, or have irregular income — it doesn't matter.
No Tax Returns — Ever
Personal or business tax returns are never part of this process. Your filing status, write-offs, and reported income are entirely irrelevant to this loan.
U.S. Investment Property
The property securing the loan must be located in the United States. Residential investment, commercial, mixed-use, and land all considered. Primary residences are not eligible for this program.
What Properties Qualify?
We lend against a broad range of investment property types. If it generates or holds value, we can likely work with it.
Built for Investors,
Not Bank Applicants.
Every feature of this loan is designed around how real estate investors actually operate — not how banks think borrowers should look on paper.
Speed That Matches Deals
Most investment opportunities don't wait. Our 7–14 day close timeline means you can submit an offer with financing confidence — before other buyers have even started an application.
Asset-Based Approval
The property is the qualification. Your personal finances — credit, income, taxes — never enter the equation. This is how lending should work for investors with real assets.
No Financial Interrogation
No bank committees, no document portals, no 90-day application marathons. You tell us about the property, we issue a term sheet. It's a fundamentally different experience.
Self-Employed Friendly
Business owners and self-employed investors are among our most common borrowers. Without income verification or tax return requirements, your structure works in your favor — not against you.
Flexible Loan Structure
Interest-only options, short terms, and extension possibilities give you the flexibility to use the capital on your timeline — not a 30-year amortization schedule designed for homeowners.
Portfolio-Level Scale
With loans up to $5M, HardFunded works for individual rental acquisitions and large commercial transactions alike. As your portfolio grows, your access to capital scales with it.
Amounts & Terms
Structured to match how investors operate — short terms, real flexibility, and capital that moves when you do.
| Parameter | Details | Notes |
|---|---|---|
| Loan Amounts | $75,000 – $5,000,000 | Core Program |
| Equity / Down Payment Requirement | 50% minimum | Existing equity or new acquisition down payment |
| Credit Score / FICO | None required | No Minimum |
| Income Verification | Not required | No Docs |
| Tax Returns | Not required | Never Asked |
| Loan Terms | 12 months – 3 years | Extension options available |
| Interest Structure | Interest-only available | Preserves investor cash flow |
| Property Types | Investment properties only | Residential, commercial, mixed-use |
| Geography | Nationwide — United States | Most states eligible |
| Typical Close Time | 7–14 business days | Rush closings available |
From Inquiry to Funded
in Under Two Weeks.
Conventional refinances take 45–90 days. Our equity-first process is built for investors who can't afford to lose a deal to underwriting delays.
Submit Inquiry
Tell us about the property and how much you need. No paperwork required to start.
Term Sheet Issued
We review the asset and issue a term sheet with loan amount, rate, and structure.
Property Valuation
A fast appraisal or BPO confirms current value. We manage this for you.
Underwriting
Asset-only review. No income analysis. No credit committee. No delays.
Close & Fund
Sign docs, record the lien, receive your capital. Ready to deploy.
How Investors Deploy
This Capital
No restrictions on use of proceeds. Here's how HardFunded borrowers most commonly put investment property equity loans to work.
Fix & Flip Funding
Pull equity from one property to fund the acquisition and rehab of another. Move fast — close in days, not months — before another buyer takes the deal.
Portfolio Expansion
Leverage the equity sitting in your existing rentals to add properties without touching reserves, selling assets, or qualifying through conventional channels.
Value-Add Renovations
Finance capital improvements, unit upgrades, or repositioning projects that increase rents, NOI, and ultimate resale value — funded by equity you've already built.
Bridge & Gap Financing
Carry a new purchase while an existing property sells, or bridge a project to permanent financing on your timeline — not a lender's rigid schedule.
Partnership Buyouts
Buy out a co-investor or partner on a shared property without refinancing your entire position or going through a conventional loan process.
Rate & Term Refinance
Restructure existing high-cost debt, consolidate multiple investment property loans, or replace hard money with a longer-term equity position at better terms.
Questions
Investors
Ask First.
Everything you need to know before you apply — answered directly.
What makes this different from a conventional investment property loan? +
Do I need a minimum credit score to qualify? +
Why are no tax returns or income docs required? +
Can I use this loan to purchase a new investment property? +
What types of investment properties are eligible? +
How quickly can I close? +
How is the loan amount determined? +
Can I refinance an existing investment property loan with this? +
Your Next Deal
Starts With
50% Equity.
No credit check, no income docs, no tax returns. Just tell us about the property and we'll show you exactly what you can borrow.
- 50% equity or down payment is the only requirement
- No FICO score or credit minimum — ever
- No income verification or W-2s
- No tax returns — personal or business
- Loans from $75,000 to $5,000,000
- Close in as little as 7 business days
- Investment properties nationwide