Get cash out of your rental propertywithout refinancing or selling.

A 3% marketplace fee when you sell equity. No upfront fees, no closing costs, and Lofty never takes a cut of your rent.

Yes. Most properties listed on Lofty have existing loans. Your mortgage stays exactly as it is, with the same rate and payment, because you’re selling equity, not refinancing.

A HELOC or cash-out refinance is new debt: you borrow against your equity, pay interest every month, and have to qualify with a bank. On Lofty you sell a piece of your equity outright. No loan, no monthly payment, no credit or income requirements, and you keep your existing mortgage rate.

It’s hard. Many banks don’t offer HELOCs on investment properties at all, and those that do typically require roughly 700+ credit, significant cash reserves, and cap total borrowing around 70-80% of the property’s value, at a variable rate. Selling equity on Lofty skips the bank entirely: no qualifying, no debt, no monthly payment.

Home equity investment (HEI) companies give you cash now in exchange for a share of your home’s future value, which you settle in a lump sum when you sell, refinance, or the term ends. On Lofty you sell real equity today at a price you set. There’s no future settlement hanging over you. Investors simply share the rent and appreciation of the stake they bought, and you can buy your equity back whenever you like.

No. This isn’t a loan, so there’s no credit check, income documentation, or debt-to-income math. We review the property itself: its condition, value, and rent.

Nothing changes for tenants. You keep collecting rent on the share you keep, investors receive the share they bought, and day-to-day management can keep working the way it does today.

Single-family, multifamily, Airbnbs, commercial, office, land, and owner-occupied homes. It should be in good shape and either cash-flowing or owner-occupied.

Once your listing is live, proceeds hit your bank as investors buy your shares. There’s no single closing date.

Yes. You can buy back your equity and regain full ownership of your property, or sell the property outright down the road.