400,000+ visitors used LendEDU in the last month
- No monthly payments or interest
- Use the cash however you want
- Easy online process
- Access up to $500,000
- Excellent (100+ Trustpilot customers)
Availability depends on your state.
There may be only one home equity investment company operating in your state. If so, consider alternative home equity financing solutions, such as the best HELOCs, best home equity loans, and best home-sale leasebacks.
Learn more about HEIs
A home equity investment is an agreement between you and an investment company in which you receive a lump-sum cash payment in exchange for a portion of your equity. It isn’t a form of debt, so there are no monthly payments, and the eligibility requirements are more lenient.
Eligibility Requirements
HEIs are also known as home equity agreements (HEAs) and home equity sharing agreements (HESAs).
Home equity lines of credit (HELOCs) are another option to tap into the equity of your home, but have more requirements and a monthly payment.
Below is an overview of qualifications to decide which loan type is right for you.
| HEI | HELOC | |
| Minimum credit score | 500+ | 600+ |
| Income requirements | None | Yes, varies |
| Monthly payments | None | Yes |
| Interest rates | None | Yes |
- No monthly payments or interest
- Use the cash however you want
- Easy online process
- Access up to $500,000
- Excellent (100+ Trustpilot customers)