Home equity investment · Phoenix
The bank said no. Your home hasn't.
Take cash from the equity you already built — no monthly payment, no income verification, and programs from a FICO 500 score.
See what your equity can unlock
For homes valued at $200,000 or more. Minimum investment: $50,000.
Checking your number won't affect your credit. A specialist will call to walk you through your numbers.
Why a denial does not end this
A “no” from the bank is not the end of the road.
Equity does the qualifying
No tax returns, pay stubs, or DTI test. The value you’ve already built in your home does the talking.
Nothing new each month
No monthly payment, and nothing owed until you sell or refinance — for up to 10 years.
The home stays yours
You stay on the title and keep the deed. The investor records a lien, the same way a lender would.
How it works
Three steps from address to offer.
Tell us about the home
Share your property address and a few details. It takes about a minute.
A specialist matches the program
We show you what you qualify for and walk you through the numbers.
Appraisal, then funds
Once the home is appraised, funds are commonly available in 2–3 weeks.
Choose how you want to connect
Start the way that feels right.
Book a 15-minute call
Reserve a short call to go over your numbers with a specialist.
How it compares
Keystone HEI vs. borrowing against your home.
| What it compares | Keystone HEI | HELOC / cash-out refi | Reverse mortgage |
|---|---|---|---|
| Monthly payment | None | Yes — monthly | None, but interest accrues |
| Interest charged | No interest | Yes | Yes — accrues on the balance |
| Credit requirement | FICO 500 minimum | Typically 620+ | No hard minimum |
| Income / DTI test | None | Income & DTI verified | Financial assessment |
| Age requirement | None | 18+ | Typically 62+ |
| If the home loses value | Downside is shared | You still owe the balance | Non-recourse |
| Adds debt to credit report | No — not a loan | Yes | Yes — a loan |
| When settlement is due | When you sell or refinance (up to 10 yrs) | On the loan term | When you move out, sell, or pass away |
General comparison. Terms vary by lender and by borrower.
Illustrative example
A Glendale homeowner, by the numbers.
This is a simplified example to show how a home equity investment can work — it is not an offer or a quote.
- Home value
- About $500,000
- Cash received
- $86,000
- Monthly payment
- $0
- Time to sell or refinance
- Up to 10 years
Get your cash estimate
See what your home can unlock.
Enter your property address and a specialist will walk you through your number — no cost and no credit impact to check.
Questions, answered
The things homeowners ask us most.
See the number before you decide anything.
A free, no-commitment estimate. Checking won't affect your credit.