No income docs · No W-2s · No tax returns
Unlock Equity From Free & Clear Properties in Minutes.
EquiClear underwrites 1–4 unit rentals on the property's own rental income. Confirm the property carries zero mortgage debt, and we'll size your cash-out up to 75% LTV and issue a conditional pre-approval letter on the spot.
- 75%
- Max cash-out LTV
- 1.00
- Minimum DSCR
- 4 min
- Median application
Instant DSCR estimator
7.25% benchmark · 30-yr fixed · 75% LTV
Maximum cash-out loan$337,500
Principal & interest$2,302
Monthly PITIA$2,902
DSCR ratio1.17
DSCR between 1.00 and 1.19 — approvable with a pricing adjustment.
Built for unencumbered rentals
Zero personal income review
We never ask for pay stubs, W-2s or tax returns. The lease and the property carry the file.
Equity sized to 75% LTV
Because there's no existing lien to pay off, every dollar of your approved loan lands in your account.
Conditional letter same session
Clear the automated engine and download a printable term sheet and pre-approval letter immediately.