home equity investments
why use a home equity investment?
✅ Keep 100% Ownership – You stay on title. No sale required
✅ No Monthly Payments – You get money today without adding a loan or monthly bill.
✅ Minimum Credit Score 500 - Lower credit scores accepted.
✅ Access Up to $500,000 – Ideal for major life expenses, paying off debt, or home repairs.
With a Home Equity Investment (HEI), you receive cash from an investor without taking on a traditional loan or monthly payment. Instead of charging interest, the investor receives a share of the home’s equity at the time of refinance or sale.
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Up to 30-Year Term – Longest term in the industry. Repay when you’re ready.
No Monthly Payments – You won’t owe anything month to month.
Keep 100% Ownership – You stay on title. Point shares in your home’s future appreciation.
BBB Accredited - Rated A+ (January 2026)
Trustpilot - Rated 4.7 (January 2026)
Unlock.com
Pay Back on Your Timeline – Partial payments welcome. No pressure to sell. Pay back any time within 10 years. Great for homeowners who are self-employed.
No Monthly Payments – You won’t owe anything month to month.
Keep 100% Ownership – You stay on title. Unlock shares in your home’s future appreciation.
BBB Accredited - Rated A+ (January 2026)
Trustpilot - Rated 4.7 (January 2026)
How It Works
You get a lump sum of up to $500,000 — based on your home equity.
You repay when you sell, refinance, or after 10–30 years.
How the investor makes money
It’s an exchange of cash for a percentage of your home’s equity. The agreed equity share is typically worth more than the upfront cash provided. There’s no interest rate and no monthly payment. The investor is repaid when you refinance or sell the property.
how does an hei compare to a heloc/refi?
An HEI is not a HELOC/loan. There are no monthly payments and therefore no debt-to-income requirements and a lower credit requirement.
Great for homeowners who want to keep their monthly budget as low as possible.
if i get an hei, can i still work with rsf properties to get a loan?
Yes. We’re happy to work with you on getting a refinance. Some people only want an HEI for a few years. The HEI gets them through a crisis when their credit is damaged, and then they move into credit improvement and get their loan soon after.
Who Qualifies?
✔ Property must be in good condition and located in approved markets.
✔ Minimum credit score of 500 required.
Want To Explore Other Options?
Click here to learn more about Traditional Home Loans.