SFR Equity Loan | 1–4 Unit Rental Property Equity Loan | HardFunded
SFR Equity Loan · 1–4 Unit Investment Properties

The SFR Equity
Loan Built for
Real Investors.

Borrow against the equity in your 1–4 unit rental, flip, or short-term rental property. Approval is based entirely on equity — not credit, income, W-2s, or tax returns. One requirement: 50% equity.

Access My SFR Equity How it works ↓
SFR Equity Loan 1–4 Unit Investment Loan Rental Property Equity Loan Equity-Based Approval No Income, No Credit
50%
Equity or Down Payment Required
$75K–$5M
Available Loan Range
None
Credit Score Minimum
7–10 Days
Typical Close Timeline
Zero
Tax Returns or W-2s Required
None
Income Verification Needed
For Purchases
Put 50% Down
Buying a new SFR investment property? Bring 50% as a down payment. That single condition qualifies you — no pre-approval, no income underwriting, no credit review.
For Refinance & Cash-Out
Hold 50% Equity
Already own a rental property? If you hold 50% or more equity based on current market value, you qualify to refinance or pull cash out — regardless of your financial profile.
What Never Gets Asked
Nothing Else
No FICO pull. No W-2s. No tax returns. No paystubs. No employment verification. No debt-to-income calculation. The property qualifies you — your financial history never does.
What It Is

An SFR Equity Loan
Explained Plainly.

An SFR equity loan — sometimes called a rental property equity loan or 1–4 unit investment loan — is a short-to-medium-term loan secured by the equity in a single-family or small multifamily investment property.

At HardFunded, the approval is entirely equity-based. We assess what the property is worth and how much you owe against it. If the result shows 50% or more equity, you qualify. Nothing about your income, employment, credit history, or tax filings is reviewed at any stage.

This makes the SFR equity loan the most accessible financing tool available to investors with strong real estate assets but unconventional — or complex — financial profiles.

The 50% Rule — Simply Stated

For a refinance or cash-out: your property must be worth at least twice what you owe on it. For a purchase: you must put down at least 50% of the purchase price. That's the complete financial qualification — no exceptions, no additional criteria.

How Equity Becomes a Loan
🏠
Current Property Value
Determined by appraisal or broker price opinion
−
Existing Liens & Mortgage Balance
What you currently owe against the property
=
Your Equity Position
Must be 50% or more of current value to qualify
💰
Your SFR Equity Loan — Up to $5M
Based on equity above the 50% threshold · Closes in 7–10 days
Eligibility

One Real
Qualification.
50% Equity.

We built this program around what matters — the asset. Here's every requirement, stated completely.

50% Equity or Down Payment

Required

Refinance or cash-out: hold 50%+ equity by current value. Purchase: bring 50% as a down payment. This is the one and only financial requirement.

U.S. Investment Property

Required

Property must be a 1–4 unit residential investment property located in the United States. Primary residences are not eligible for this program.

Credit Score / FICO

Not Required

No credit minimum. No credit pull at any stage. Borrowers with bankruptcy, foreclosure, collections, or no credit history qualify on equity alone.

Income Verification

Not Required

No W-2s, pay stubs, bank statements, or profit-and-loss statements. Self-employed, unemployed, and variable-income borrowers are all fully eligible.

Tax Returns

Not Required

Neither personal nor business tax returns are ever requested. Your reported income, deductions, write-offs, and filing history are completely irrelevant.

Employment Verification

Not Required

Employment status is never verified. Retired, between jobs, self-employed, or full-time investors without traditional employment all qualify equally.

Eligible Properties

Which SFR & 1–4 Unit
Properties Qualify?

Any 1–4 unit investment property with 50% equity or a 50% down payment. Here's the full scope of eligible property types.

🏠 Single-Family Rental Long-term or short-term rental SFR
🏘️ 2–4 Unit Multifamily Duplex, triplex, or fourplex
🔨 Fix & Flip Properties Active rehab with sufficient equity
🏖️ Short-Term Rentals Airbnb, VRBO, and vacation rentals
📦 Unoccupied / Vacant Between tenants or being repositioned
Why HardFunded

Built for Investors
Banks Keep Turning Away.

Conventional rental property loans are designed around W-2 earners with perfect credit. Our SFR equity loan is designed around the one thing that actually matters: your property.

01

Equity-Based Approval — Full Stop

50% equity is the qualification. No income ratio, no credit score review, no debt-to-income calculation. The asset qualifies you; your financial history is never reviewed.

02

No Credit Pull — Not Even a Soft Check

Your FICO score is never pulled, reviewed, or factored into any lending decision. Borrowers with prior foreclosures, bankruptcies, charge-offs, or thin credit files are approved daily.

03

Zero Income or Tax Documentation

No W-2s, no paystubs, no bank statements, no tax returns — personal or business. Self-employed investors with complex returns are treated identically to salaried borrowers.

04

Close in 7–10 Business Days

Investment deals don't wait for 60-day bank timelines. Our asset-first underwriting removes every documentation bottleneck so you can close before a competing offer does.

05

Works for Every Investor Profile

Retired, self-employed, full-time investor, or between jobs — your employment and income status is never reviewed. If the property has 50% equity, you qualify, period.

06

Scaled for Real Portfolio Activity

Loans from $75,000 to $5,000,000 accommodate everything from a single SFR cash-out to large-scale refinancing across your rental property portfolio.

Loan Details

Amounts & Terms

Structured for investor flexibility — short terms, interest-only options, and capital that moves when your deal does.

Parameter Details Notes
Loan Amounts $75,000 – $5,000,000 Core Program
Equity Requirement 50% minimum — purchase or refinance Only financial qualification
Credit Score / FICO None required — no credit pull No Minimum
Income Verification Not required Never Asked
W-2s / Paystubs Not required Never Asked
Tax Returns Not required — personal or business Never Asked
Employment Verification Not required Never Asked
Loan Term 12 months – 3 years Extension options available
Interest Structure Interest-only available Preserves investor cash flow
Eligible Properties SFR, 2–4 unit, rentals, flips, STR Investment properties only
Geography Nationwide — United States Most states eligible
Close Timeline 7–10 business days (typical) Rush Closings Available
The Process

Inquiry to Funded
in 7–10 Days.

No income review means no document-gathering delays. No credit check means no committee holdups. Our SFR equity loan process runs on the asset — nothing else.

1
Day 1

Submit Property Info

Tell us about your SFR or 1–4 unit property and your target loan amount. No documents needed to start.

2
Day 1–2

Term Sheet Issued

We evaluate the asset and issue a preliminary term sheet — loan amount, rate, and structure — within 24 hours.

3
Day 2–4

Property Valuation

We order an appraisal or BPO on the investment property to confirm current market value and equity position.

4
Day 4–6

Asset Underwriting

Property-only review. No income analysis. No credit pull. No employer verification. Fast, clean, asset-based.

5
Day 7–10

Close & Fund

Sign docs, record the lien, and receive your capital. Ready to close a deal, fund a flip, or pull cash out.

Use Cases

How SFR Investors
Deploy This Loan

No restrictions on use of proceeds. Here's how HardFunded borrowers put their SFR equity loans to work across rental property strategies.

🔑

Rental Property Acquisition

Purchase a new SFR rental or 1–4 unit property with 50% down — no pre-approval delays, no income review, no credit hurdles. Get a term sheet in 24 hours and close in days.

💵

Cash-Out Refinance

Pull equity from a rental property you already own to fund additional acquisitions, cover expenses, or deploy capital elsewhere — without selling the asset or qualifying through a bank.

🔨

Fix & Flip Financing

Fund the acquisition and rehab of a fix-and-flip SFR using equity from another property in your portfolio. Close before competing investors can complete a conventional application.

🏖️

Short-Term Rental Funding

Acquire or refinance Airbnb, VRBO, and vacation rental properties. STR income isn't verified or required — the property's equity position is all that matters.

🌉

Bridge & Gap Financing

Bridge a purchase while selling another property, cover a financing gap on an active deal, or carry a property between tenants or lease-up periods without tapping reserves.

📈

Portfolio Leverage & Expansion

Systematically unlock equity across your rental portfolio to fund the next acquisition — building scale without qualifying individually through conventional lenders for each property.

FAQ

What SFR
Investors Ask
Before Applying.

Every key question answered directly — including the 50% rule.

What exactly is an SFR equity loan? +
An SFR equity loan is a short-to-medium-term loan secured by the equity in a single-family or 1–4 unit investment property. At HardFunded, it is a fully equity-based product — your credit history, income, employment, and tax filings are never reviewed. The only qualification is holding 50% equity in the property (for a refinance or cash-out) or putting 50% down (for a purchase). Loan amounts range from $75,000 to $5,000,000 and closes typically happen in 7–10 business days.
What is the 50% equity requirement exactly? +
The 50% requirement works two ways depending on your transaction type. For a refinance or cash-out: your investment property must be worth at least twice what you currently owe on it. For example, if the property is appraised at $500,000, your total liens must be $250,000 or less. For a purchase: you must put down at least 50% of the purchase price or appraised value as a down payment. In both cases, 50% equity is the complete financial qualification — nothing else is required.
Is there a minimum credit score for an SFR equity loan? +
No. There is no credit score minimum, and we do not pull your credit at any point during the inquiry, application, underwriting, or closing process. Borrowers with prior bankruptcies, foreclosures, short sales, collections, tax liens, or no established credit history are eligible as long as the investment property meets the 50% equity requirement. Your credit history has absolutely no impact on our lending decision.
Why are W-2s, paystubs, and tax returns not required? +
Because this is a pure equity-based loan — the investment property's equity is both the collateral and the qualification. Traditional lenders use income documentation to gauge long-term repayment capacity. Our short-term SFR equity loans are secured against the asset itself, making your employment status, income level, and tax filings entirely irrelevant to the lending decision. This is specifically why self-employed investors, full-time landlords, retirees, and borrowers with complex income structures use this program regularly.
What property types are eligible for an SFR equity loan? +
We lend against single-family rental properties (SFR), 2-unit through 4-unit investment properties (duplex, triplex, fourplex), active fix-and-flip properties, short-term rentals (Airbnb, VRBO, vacation rentals), and vacant or unoccupied investment properties between tenants. The property must be an investment property located in the United States — primary residences are not eligible for this program.
Can I use an SFR equity loan to purchase a new investment property? +
Yes. For acquisitions, bring 50% of the purchase price or appraised value as a down payment and you qualify from the date of purchase. You don't need existing equity history, rental income documentation, or a seasoning period. This is ideal for investors who want to move quickly on an SFR acquisition — including off-market deals, auction properties, and competitive situations where a conventional pre-approval would arrive too late.
How is the loan amount calculated for a rental property equity loan? +
The loan amount is based on the equity in your SFR above the 50% threshold. If your rental property is worth $400,000 and you owe $100,000 on it, you hold $300,000 in equity — well above the 50% mark of $200,000. The loan is sized from the equity position above that 50% floor. A formal appraisal or broker price opinion is ordered during underwriting to confirm current value. For purchases, the loan amount is based on 50% of the purchase price or appraised value.
How fast can I actually close? +
Our standard close timeline is 7–10 business days from inquiry to funded. The main variable is how quickly a property appraisal can be scheduled and completed in your market. For investors with active deals — competitive acquisitions, expiring purchase contracts, or auction deadlines — ask about rush close options when you submit your inquiry. We prioritize processing for borrowers with time-sensitive transactions.
Can I use this to cash out equity on a short-term rental (STR)? +
Yes. Short-term rental properties — including Airbnb and VRBO properties — are fully eligible. We never verify or require STR income, occupancy rates, or booking history. If the property holds 50% equity based on current market value, you qualify for a cash-out refinance regardless of the rental strategy or current occupancy. STR income instability, seasonality, and platform-specific revenue reporting are completely irrelevant to our approval.
Get Started

50% Equity.
That's the
Entire Bar.

No credit pull, no income docs, no W-2s, no tax returns, no employment verification. Tell us about your SFR or 1–4 unit property and get a term sheet in 24 hours.

Full Qualification Checklist
  • ✓ 50% equity in a U.S. investment property
  • ✓ OR 50% down payment for a new purchase
  • ✕ No credit score or FICO minimum
  • ✕ No income verification or W-2s
  • ✕ No personal tax returns
  • ✕ No business tax returns
  • ✕ No paystubs or bank statements
  • ✕ No employment verification
  • ✓ Loans from $75,000 to $5,000,000
  • ✓ Close in 7–10 business days
Apply Now — No Credit Pull
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