Cash for Equity

Your equity is untapped wealth. Unlock it with the Cash for Equity program from Flexible. Get cash to renovate, fund an education, start a business, or pay down debt. Take up to 30 years to buy back your equity—with no debt, monthly payments, or interest.

Your equity is untapped wealth. Unlock it with the Cash for Equity program from Flexible. Get cash to renovate, fund an education, start a business, or pay down debt. Take up to 30 years to buy back your equity—with no debt, monthly payments, or interest.

Flexible empowers property owners to unlock better outcomes than they thought were possible. One way we do that is by letting owners choose their Offer Type. This article covers the Cash for Equity Offer Type, a great opportunity if you want to unlock the equity in your property without adding to your monthly debt load.

Not sure if the Cash for Equity program is right for you or your client? Use our Offer Type Finder to see other options.

What Is Cash for Equity?

With Flexible’s Cash for Equity program, you get cash today in exchange for a share of your property’s future value. Use the money for anything, whether you want to pay down debt, renovate, buy a second property, invest in your business, fund an education, live comfortably in retirement—or something else. 

Unlike a traditional home equity loan, there are no monthly payments and no interest rates. Instead, you buy back your equity at any time during the 30-year term using your savings or funds from a refinance, loan, or sale.   

How It Works

Cash for Equity gives you money from your property without having to sell it. You retain ownership and complete control over your property, and access money that would otherwise be tied up.  

Here’s how it works. After you submit an Offer Request, one of our Offer Guides will work with you to answer any questions, provide an Investment Estimate, and schedule an in-person appraisal of your property using a third-party appraiser. Our investment offers are usually between 5% and 15% of a property’s current value. 

Once the appraisal is complete and we finalize the Investment Details, we’ll sign the documents and get you your funds. We deduct any closing costs from the total investment so you have no out-of-pocket expenses. The entire process—from Offer Request to closing—typically takes three weeks. If you need to close faster, please request our Quick Sale Add-On. 

Keep in mind that Flexible doesn’t give you a loan. Instead, we buy into your property as an investor. We receive an agreed-upon share of your property’s value when you sell, refinance, or buy back your equity by the end of the term. We make more if your property value goes up, and less if it goes down.    

Benefits

Flexible's Cash for Equity program allows you to take advantage of these benefits:

  • You unlock your property's equity. Your equity is untapped wealth. Cash for Equity gives you access to that wealth so you can pay down debt, renovate, buy a second property, invest in your business, fund an education, live comfortably in retirement—or something else. 

  • You retain ownership and control over your property. Flexible is never added to your property’s title. Provided you take care of your property and pay your taxes, mortgage, and insurance, we’ll stay out of your way.

  • No monthly payments. Unlike other ways to access property equity, you won’t have any monthly payments with our Cash for Equity program. Use the cash however you want, and buy back your equity within 30 years. There’s no prepayment penalty, so the timing is up to you.

  • Easier to qualify. We don’t draw lines in the sand. Flexible looks at your entire financial situation—not just your credit score or a debt-to-income number—to determine if Cash for Equity is right for you.  

  • Complete customization. As with any Flexible offer, tell us what you want, and we'll incorporate it into your offer. 

Terms to Discuss with Flexible

Cash for Equity is designed to give you options. When you're ready, contact one of our Offer Guides to discuss:

  • Any questions you have about the Cash for Equity process

  • Your cash needs

  • Any special requests you may have

FAQs 

Who should consider Cash for Equity?

Cash for Equity is ideal for property owners who want to unlock wealth from equity with no increase in monthly debt load. Flexible shares in your success if your property appreciates. If your property loses value, you may owe less than what you receive from Flexible.

How fast can Flexible close?

We typically close in three weeks. If you need cash sooner, please request a Quick Sale Add-On.

What’s the difference between Cash for Equity and a loan?

Unlike a lender, we don’t receive monthly payments or a guaranteed return on the money we’ve invested in your property. Instead, when you’re ready to sell or refinance, you’ll pay us an agreed-upon percentage of the sale price or current appraised value. 

What are my obligations if I use Cash for Equity?

During the investment period, you are responsible for making timely mortgage, insurance, and property tax payments, maintaining your property, and letting us know if and when you plan to sell your property. Throughout the term, you won’t owe any payments to Flexible and the Investment won’t accrue any interest. 

How long do I have to settle a Cash for Equity investment?

Our Cash for Equity program has a term of up to 30 years. You can sell your property during the term, or you can buy out our investment using your savings or by taking out a loan. 

Is Flexible added to the property title?

No, Flexible is never added to your property’s title. You retain sole ownership of your property with Flexible as an investor. Our investment is secured by a Deed of Trust and a Memorandum of Option.

This article is intended for informational purposes only and should not be construed as financial, legal, tax, insurance, or investment advice. Flexible encourages you to contact an Offer Guide to discuss your unique situation and consult qualified third-party financial, legal, tax, insurance, or investment professionals prior to making any related decisions.

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