The 5-Day HELOC: your equity, in your hands, in as little as 5 days.
Turn your equity into cash and pay off high-interest debt — credit cards, personal loans, medical bills — while your low first-mortgage rate stays untouched. No appraisal, no hard credit pull to see options.
- 👥 Add multiple people's income to qualify — no need to be on the loan or on title. Perfect when credit isn't perfect.
- Refinance only — for a home you already own; your current first mortgage stays in place
- Up to 90% combined LTV — $50K to $5M credit lines (Texas: 80% cap by state law)
- No appraisal required, no reserves, no hard credit pull to see options
- No title seasoning — just added to the title? You can still qualifysee how it works →
- No income verification option — no tax returns, W-2s, or pay stubs at 680+ credit, $150K+ linessee how it works →
- Primary homes and investment properties — 1–4 units, LLC-titled OK
- One payment instead of five — consolidate high-interest debt at equity pricing
- 30-year fixed structure with interest-only option
Or skip the form — call or text us: 949-738-9770
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 is the new loan amount request?
Loans from $50,000 up to $5,000,000 on HELOC
Are you purchasing or refinancing?*
How is your credit?*
HELOC requires a minimum 620 credit score
Is the property occupied or vacant?*
When was the property purchased?*
Who are we preparing options for — and where do we send them?*
Legal name of the primary borrower. We'll text and email your scenario — a real person from our Irvine office. Never sold, no spam.
Where should we send your options?*
We'll email your scenario and next steps — never sold, no spam.
Last step — everything look right?*
Review your details and hit Submit — a real person from our Irvine office will reach out. No call centers, never sold, 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.
What's the purchase price?*
Your best estimate is fine — we'll tailor the loan to it
Last one — how do you earn, and what's your household income?*
👥 Count everyone: we have programs that let you add multiple people's income — even if they won't be on the loan or on title. Credit not perfect? Their income can still help you qualify.
Annual household income (before taxes)
What is the current value of the property?*
Your best estimate is fine — this sets your available equity (up to 90% combined loan-to-value).
What is the existing balance on your property?*
Include all liens — first, second, HELOC. Enter 0 if it's paid off.
We can't make this one work — here's exactly why.
With a credit score below 620, our lenders cap an investment-property refinance at 50% of the property's value — that's your current mortgage balance measured against what the property is worth. Based on the numbers you entered, your balance sits above that line, so we're not able to move forward on this loan today.
Two honest paths from here: if your balance drops below 50% of value — or your score crosses 620 — we can revisit immediately.
Call us to talk it through — 949-738-9770We 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 · Book a call
You're booked! One more thing…
Save our contact now — we'll be calling you from 949-738-9770. With it saved, your phone shows Chase Zhao · Cap Rate Funding instead of “Scam Likely” or an unknown number, so you'll know it's us calling about your appointment.
Prefer to add it yourself? Chase Zhao · 949-738-9770 · chase@capratefunding.net
We can't lend on a primary residence in your state yet.
For a home you live in (or will live in), our lenders are set up in . Your property is in , and we're not able to move forward on an owner-occupied loan there today.
Two honest paths from here: if the property is actually a rental or investment, go back and choose Investment Property — our investor programs cover most states. Otherwise, call or text us and we'll point you to a lender who can help.
Call us to talk it through — 949-738-9770We'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 949-738-9770We're not licensed to lend on primary residences in your state.
For owner-occupied homes, Cap Rate Funding is licensed in Alabama, Arizona, California, Colorado, Florida, Idaho, Iowa, Louisiana, Maryland, Michigan, Minnesota, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah & Washington only. Because this property is your primary residence, we aren't able to help with this one — and we'd rather tell you now than waste your time.
Own an investment property? That's a different footprint — our investor programs are available in nearly every state.
You’ll work directly with Chase Zhao, President · NMLS #1816148HELOC program terms depend on credit profile, LTV, property type, and loan specifics, and are subject to change. All loans subject to credit 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.
See exactly what we can & can’t fund
We can help with:
- Properties held in an LLC — fundable with a 700+ personal FICO
- 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
- Free-and-clear cash-out in OR, WA & ID — any credit score, $200,000+, up to 50% LTV
- HELOC on a primary residence — available in our 21-state owner-occupied footprint (AL, AZ, CA, CO, FL, ID, IA, LA, MD, MI, MN, NM, NV, OH, OK, OR, PA, TN, TX, UT & WA)
- HELOC on an investment property — available in 39 states plus Washington, D.C. (everywhere except CT, DE, IL, IN, MA, MO, NC, ND, NJ, NY & VT)
- HEA — credit accepted from the 500s; your FICO band sets the maximum OLTV (60–75%)
- Reverse mortgages — any credit score, primary residence, current balance under 50% of home value
- Loan amounts from $75,000 up to $5,000,000 (DSCR capped 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 ($50,000 for HELOCs)
If your score improves, come back — we'd genuinely love to take another look. Questions about a gray-area scenario? Call 949-738-9770.
Are we a good fit? If you have equity, probably yes.
Our HELOC is built for owners who want fast capital without traditional banking hoops.
The qualification list is short.
- Credit score: minimum 620
- Property: 1–4 units, owner or non-owner occupied
- Reserves: none required
- Title seasoning: none — just added to title? You still qualify
Everything the bank makes you do.
- No appraisal — no in-person appointments
- No hard credit pull to see your options
- No refinancing your low first-mortgage rate
- No weeks-long approval — funding in as little as 5 days
How the 5-Day HELOC works, step by step →
Check My Options →See what your equity could unlock.
Enter your numbers. Our HELOC goes up to 90% combined LTV — usually more equity access than your bank will offer, funded in days instead of weeks.
(90% CLTV) —
Estimates only, for illustration. Actual line amount depends on credit, property type, occupancy, and program guidelines ($50K–$5M, min 620 credit). All loans subject to credit approval.
Tailored solutions for every scenario.Three programs fund most deals.
One conversation gets your scenario priced across a network of 100+ lenders — with the trade-offs explained straight.
HELOC, P&L Only, and DSCR do the heavy lifting — one conversation prices your scenario across 100+ lenders. Need something else? Call 949-738-9770.
HELOC
Up to 90% 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 P&L — CPA-prepared or self-prepared options, even future income projections. No tax returns, no bank statements. 640+ credit, $150K+.
See P&L options →DSCR
The rent qualifies — not your income. 1–4 unit rental properties, 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 →Rental Property Loans
Financing for 1–4 unit rental properties — including 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, straight from our Instagram — HELOCs funded in days, P&L and DSCR loans other lenders passed on.
| Deal Type | Location | Loan Amount | Highlight |
|---|---|---|---|
| HELOC | Santa Fe Springs, CA | $397,000 | Funded in 5 days |
| P&L Loan | Irvine, CA | $930,000 | Primary residence · complex title solved |
| DSCR | Detroit, MI | $1,194,200 | 7-property portfolio, one client |
| Digital HELOC | Rural property · 2+ acres | $276,393 | Funded in 7 days · no tax returns |
| P&L · 2nd Lien | Vale, CO | $400,000 | No full appraisal · rural OK |
| DSCR | New Jersey | $562,500 | Reverse 1031 exchange purchase |
| Cash-Out Refi | Texas (A6) | $350,000 | No income verification |
"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.
HELOC questions, before you ask.
What is a HELOC?
A home equity line of credit — a stand-alone second lien that turns your equity into a credit line while your existing first mortgage (and its rate) stays untouched. Available on properties you already own; not for purchase transactions.
How fast can a HELOC actually fund?
In as little as 5 business days — that's why we call it the 5-Day HELOC. Texas is the exception: state law requires a 12-day waiting period before any home-equity loan can close.
Can I get this HELOC with no income verification?
Yes — the standard HELOC never requires tax returns, and a full no income verification HELOC (stated income: no tax returns, W-2s, or pay stubs at all) is available at 680+ credit on lines of $150,000 or more. Built for self-employed and write-off-heavy borrowers; state availability confirmed on a quick call. Prefer to document income with a single P&L instead? A P&L-documented HELOC in second position is also available at 680+ credit.
Do I need an appraisal for this HELOC?
No. The property is valued with an automated valuation (AVM), which is a big part of why funding is measured in days instead of weeks.
How much can I borrow with a HELOC?
Lines from $50,000 to $5,000,000, up to 90% combined loan-to-value (80% in Texas by state law). Owner-occupied or non-owner occupied, 1–4 unit properties.
What credit score does the HELOC require?
620 minimum — this is a hard floor with no exceptions below it. Seeing your options still involves no hard credit pull.
Should I get a HELOC or a cash-out refinance?
If your current first-mortgage rate is lower than today's rates, a HELOC usually wins — it adds a second lien instead of replacing your whole loan. A cash-out refinance replaces the first mortgage entirely. See the side-by-side on our comparison page.
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 to price your scenario, and to the service providers that help us run the site — our CRM, scheduling, email and analytics tools. We never sell your information to third parties, and we only share it with a lender once you decide to move forward. 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.