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Updated September 2026
Equity as income
Equity can count as income. $1.5M can mean $15K a month.
This program turns eligible property equity into qualifying income. Take 60% of that equity and divide by 60 months. $1.5M of eligible equity produces $15,000 a month. It can be combined with other eligible income. It is not a HELOC and it is not a skipped-payment equity share. It is a way to qualify when the tax return does not show the wealth the properties hold. Eligible equity still has to be confirmed. The formula is the screen.
The screen
| Formula | Example |
|---|---|
| Eligible equity | $1.5M |
| Portion used | 60% |
| Months | 60 |
| Qualifying income | $15,000 a month |
| Other income | Can be combined |
What we fund
- Borrowers whose returns understate their real estate
- Files that need income, not another DSCR ratio
- Combinations with other eligible income
What we still need. Short list.
- A real equity number, not a zestimate wish
- Confirmation of what counts as eligible
- The rest of that program’s file
Questions
Is this a HELOC?
No. It is a qualifying-income method. A HELOC is a line of credit.
Does every dollar of value count?
No. 60% of eligible equity, divided by 60. What is eligible gets confirmed.
Can I stack it with bank statements?
The guideline says it can be combined with other eligible income. We confirm which income is eligible.
Related
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.