Investor 1–4 High-Equity Fast Qualification Loan
Quick answer
Kismet Kapital's High-Equity Fast Qualification loan approves 1–4 unit investment property loans up to $2,000,000 with no minimum credit score, using the equity in the property as the primary credit factor. Title seasoning is one day, and borrowers are eligible one day after a bankruptcy discharge.
- Loan size
- Up to $2MM
- Credit score
- No minimum
- Title seasoning
- 1 day
- Term
- 30 years
- Purpose
- Purchase / refi / cash-out
- Coverage
- Nationwide
Overview
When an investor has meaningful equity, the property itself is the credit story. This program is built for speed: past credit events, recent mortgage lates and just-closed acquisitions don't stop the loan when the equity cushion is there.
How it works
- Share the property, estimated value and requested loan amount.
- Kismet confirms equity and returns a structured read within 48 hours.
- Valuation is ordered; credit history is reviewed but not scored.
- The loan closes on a 30-year schedule, with shorter terms available.
Best for
- Investors with low or no credit scores and strong equity
- Borrowers recently out of bankruptcy or foreclosure
- Cash-out immediately after an all-cash purchase
- Investors who value speed and certainty over maximum leverage
Key facts
The High-Equity Fast Qualification loan has no minimum credit score.
Loan amounts go up to $2,000,000.
Title seasoning is one day, so a cash-out refinance can follow an all-cash purchase immediately.
Borrowers are eligible one day after a bankruptcy discharge or notice of default.
Foreign investors are eligible and an ITIN is accepted.
Frequently asked questions
What credit score do I need for the fast qualification loan?
None. The program has no minimum credit score because the property's equity is the primary qualifying factor.
Can I qualify after a bankruptcy?
Yes. Borrowers are eligible one day after a bankruptcy discharge or notice of default.
How soon after buying can I do a cash-out refinance?
One day. Title seasoning is one day, so you can pull equity out right after an all-cash purchase.
What's the trade-off for fast approval?
Lower leverage. The program requires a large equity position in exchange for a simpler, faster credit decision.
Engage
Ready to structure your next deal?
Submit your transaction or schedule an introduction call. Confidential review within 48 hours.