Your equity, unlocked. No monthly payments.
A Home Equity Agreement turns the equity in your property into cash today — with no monthly payments. Qualification is driven by your equity and your FICO band, with credit accepted down to the 500s.
- No monthly payments
- Credit accepted from the 500s — your FICO band sets the max OLTV
- 1st, 2nd, and 3rd lien positions considered
- Access up to $600,000 — for debt payoff, improvements, or whatever you need
📞 Or skip the form — call or text us: 949-738-9770
📍 HEA available in: AZ · CA · CO · FL · NV · NJ · OH · OR · PA · SC · TN · UT · VA · WA
What type of property is this?*
What loan type are you interested in?*
What is the property address?*
Depending on location we may have specific programs
What's the purchase price or refinance amount?
Amounts from $75,000 up to $600,000 on HEA
Are you purchasing or refinancing?*
How is your credit?*
Credit accepted from the 500s — your FICO band sets the maximum OLTV
Is the property occupied or vacant?*
When was the property purchased?*
Almost done — who should we prepare your options for?*
Legal first and last name of the primary borrower. Your identity is protected — no spam.
Where should we send your options?*
We'll email your scenario and next steps — never sold, no spam.
Last one — best number for your loan specialist?*
A real person from our Irvine office — no call centers. Your number is protected, no spam.
Notice: By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages, text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@capratefunding.net to be placed on our do-not-call list. By clicking Submit: I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding. Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.
HEA isn't offered in your state — but your equity still has options.
Home Equity Agreements are available in AZ, CA, CO, FL, NV, NJ, OH, OR, PA, SC, TN, UT, VA & WA only. One quick question so we route you right: where's your credit?
Good news — the HELOC is your move.
With 640+ credit, our HELOC gets you to your equity in your state: up to 85% combined LTV, no appraisal, funding in as little as 5 business days.
Explore the HELOC → 📞 Call / Text Us: 949-738-9770 · 📅 Book a callOne more — how much do you owe?
Is your current mortgage balance under half of what the home is worth?
Hard money can work here.
With strong equity (under 50% LTV), our hard money program is asset-first and credit-flexible — no minimum FICO, closing in days.
Explore Hard Money → 📞 Call / Text Us: 949-738-9770Let's find your route together.
Your scenario needs a human look — between our 100+ lenders there's often a path that doesn't fit a form. Call or text and we'll talk it through in minutes.
📞 Call / Text Us: 949-738-9770What is the existing balance on your property?*
Include all liens — first, second, HELOC. Enter 0 if it's paid off.
We can still do this — with a bigger down payment.
With a credit score below 620, our lenders can approve a purchase only when you bring at least 50% down, plus closing costs, out of pocket. If you can do that, we'll keep going right now — equity does the qualifying that credit can't.
Not sure? Call us: 949-738-9770
You're in! Now lock in your call.
Your scenario is in the queue. Pick a time below and we'll go over your options together — usually the same business day.
To make the call count, have these handy: your property address, a recent mortgage statement (or your payoff balance), and a ballpark of your credit score.
📅 Book My Call — Open CalendarPrefer to talk now? Call 949-738-9770
We're not the right fit for this one.
Based on your answers, we aren't able to offer a program for this scenario with a credit score below 620 at this time. If your score improves, we'd love to take another look — and you're always welcome to call us to talk through your options.
Call 949-738-9770Maximum OLTV is set by FICO band (see table below). Net cash-out figures reflect an estimated 4.99% origination fee and approximately $2,500 in title/settlement costs; actual costs vary by scenario. HEA amounts up to $600,000. Lien position eligibility varies by band. All agreements subject to program guidelines and approval.
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's our lending box, plainly stated.
We can help with:
- Financing at 620+ FICO — primary homes and investment properties
- DSCR investment deals at any credit score — LTV is capped by credit tier; below 620 FICO caps at 50% LTV
- Investment property refinances — flexible credit, conditional lending available below 620
- Primary-home refinances under 620 FICO — California properties only
- HEA — credit accepted from the 500s; your FICO band sets the maximum OLTV (60–75%). Available in AZ, CA, CO, FL, NV, NJ, OH, OR, PA, SC, TN, UT, VA & WA
- Reverse mortgages — any credit score, primary residence, current balance under 50% of home value
- Loan amounts from $75,000 up to $20,000,000 (HELOC capped at $5M, DSCR at $3M, HEA at $600K)
We're not the right fit for:
- New financing under 620 FICO (except DSCR investment deals, capped at 50% LTV)
- Primary-home refinances under 620 FICO outside California
- Loan amounts under $75,000
If your score improves, come back — we'd genuinely love to take another look. Questions about a gray-area scenario? Call 949-738-9770.
Run your own numbers. Right now.
Enter your property value, existing mortgage balance, and FICO — and see directional HEA terms instantly: your maximum OLTV, estimated net cash, and how the agreement is structured.
Your Scenario
Your FICO band
Your Terms — Live
available to you —
$0 monthly payments · capped at $600,000 · minimum $75,000 · directional estimate, not a binding offer
Lock In My Max Cash-Out →Want the full pricing breakdown (multiple, safety cap, split %)? Open the detailed calculator →
Like the terms? Lock them in.
The calculator gives directional estimates. Submit your info below and I'll confirm your actual HEA terms — usually the same business day. No monthly payments, credit from the 500s, up to $600,000.
FICO Score & Maximum OLTV
Your credit band sets your maximum combined loan-to-value. That's the whole grid — no gotchas.
| FICO Score | Max. OLTV | Lien Position Notes |
|---|---|---|
| 500 – 539 | 60% | 1st & 2nd lien positions eligible · 3rd lien ineligible |
| 540 – 579 | 65% | All lien positions eligible |
| 580+ | 75% | Standard maximum — all lien positions eligible |
Equity does the heavy lifting. Your band does the rest.
Built for owners whose credit shut the bank's door — but whose equity is real.
You have equity and want zero new payments.
- Credit in the 500s or betterafter 4.99% origination & ~$2,500 title fees — your band sets the max OLTV
- Meaningful equity in the property
- No room in the budget for another monthly payment
- Existing liens OK — 1st, 2nd, and 3rd positions considered by band
How the program is structured.
- OLTV caps by band: 60% (500–539) · 65% (540–579) · 75% (580+)
- Up to $600,000 per HEA
- 3rd lien position is ineligible in the 500–539 band
- Equity-based agreement — we'll walk you through exactly how it works on the call
- Higher band, more access — if your score is rising, timing matters
Tailored solutions for every scenario.
One conversation gets your scenario priced across a network of 100+ lenders — with the trade-offs explained straight.
HELOC
Up to 85% CLTV, funded in as little as 5 days, no appraisal required. $50K–$5M, owner or non-owner occupied, 1–4 units.
Check my equity →P&L Only Loan
Qualify with one CPA-prepared profit & loss statement. No tax returns, no bank statements, no deposit reviews. 660+ credit.
See P&L options →DSCR
The rent qualifies — not your income. Long or short-term rentals, personal name or LLC, no cap on properties. No minimum FICO.
Price my rental →Cash-Out & Investor Refinance
Replace your mortgage and take a lump sum, or reposition rental debt to free up trapped capital.
Compare my options →Long & Short-Term Rental
Financing for rentals of every flavor — including Airbnb and 2–4 unit multi-family.
See rental programs →Hard Money
Asset-based lending for deals that can't wait for a bank. Credit flexible — underwritten on the asset.
Fund my deal →VA Loan
Cash-out up to 100% LTV, plus IRRRL streamline refis with no appraisal, income docs, or minimum FICO. Veteran-first guidance.
See VA options →FHA Loan
Flexible qualifying on your primary residence with credit from 620. A practical path to your equity.
See FHA options →Reverse Mortgage
Primary residence, any credit score, current balance under 50% of value. Access equity without a monthly mortgage payment.
Check my eligibility →HEA
No monthly payments, up to $600K. Your FICO band sets the max OLTV — 60–75%, all lien positions considered.
Price my scenario →Landlord Insurance
Quote and bind rental-property coverage in minutes through our partner Steadily — so your closing never waits on a policy.
Get an insurance quote →Let the funnel decide.
Answer a few quick questions and we'll route your scenario to the right program — 60 seconds, no hard credit pull.
Find my program →
Non-QM is our specialty.
Cap Rate Funding is a team of non-QM lending experts based in Irvine, CA. When the banks say no, we usually have a yes — DSCR, P&L-only, bank-statement, HELOCs, hard money, and home equity agreements are what we do all day, backed by a network of over 100 wholesale lenders.
When you reach out, your scenario goes straight to our team — no call centers, no hand-offs. We'll tell you quickly whether we can help, what it'll roughly cost, and what we'd need from you. And if a loan doesn't make sense for your situation, we'll tell you that too.
Recently funded deals.
Real closings across the country — including P&L-only and DSCR loans the banks passed on.
| Deal Type | Location | Loan Amount |
|---|---|---|
| Profit & Loss Loan | Cedarville, NJ | $175,000 |
| DSCR | Denver, CO | $290,000 |
| Hard Money | San Pedro, CA | $433,000 |
| DSCR | Boise, ID | $375,000 |
| Hard Money | San Francisco, CA | $375,000 |
| DSCR | Phoenix, AZ | $243,750 |
| DSCR | Lehigh Acres, FL | $240,800 |
| DSCR | Del Haven, NJ | $266,250 |
"Chase truly made the process feel effortless and straightforward. The communication was excellent throughout, and I was impressed by the speed and experience he demonstrated."
Google Review · HELOC client"Chase made our HELOC process incredibly easy, smooth, and fast from start to finish. Excellent communication, professional service, and quick turnaround."
Google Review · HELOC client"Fast, reliable, and very honest. Throughout the loan process, I always knew what the next step was. I truly appreciate the professionalism and support!"
Google Review · Investor clientGo beyond with Cap Rate Funding.
Initial Consultation
Share your scenario — refinance or cash-out — and we'll assess your needs. 60 seconds online or one phone call.
Customized Solutions
Your scenario priced across 100+ lenders, with options tailored to your goals.
Application & Approval
Complete your application and receive fast approvals — often with fewer documents than you'd expect.
Closing & Beyond
Seamlessly close your loan and enjoy continued support on the next one.
Lending nationwide.
Looking for lending in a state not listed on our coverage map? We lend in other states on a case-by-case scenario — give us a call to see what we can do for you.
Call 949-738-9770Before you ask.
Will checking my options hurt my credit?
No. Seeing your options involves no hard credit pull. A hard inquiry only happens later, with your permission, when you move forward with an application.
How fast can I actually get funded?
It depends on the program. Our HELOC can fund in as little as 5 business days. Other programs typically run 2–4 weeks. On your call we'll give you a realistic timeline for your exact scenario.
What does this cost me?
Checking your options costs nothing and commits you to nothing. If you proceed, all program costs are disclosed to you up front before you sign anything — no surprises at closing.
What happens to my information?
It goes to our team — and only our team — to price your scenario. We never sell your information to third parties. See our Privacy Policy.
I'm self-employed and banks keep saying no. Can you help?
That's our specialty. P&L-only loans need one document from your CPA — no tax returns, no bank statements. DSCR loans qualify on the rent, not your income. And our HEA accepts credit from the 500s.
Fast. Flexible. Funded.
Whether you're tapping equity or repositioning the portfolio — check your options in 60 seconds, with no hard credit pull.