Splitero Home Equity Investment Review

Up to $600,000 with no income check and a 500 credit score. These are the loosest terms here, on the riskiest product class.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 9, 2026.

Our verdict

No income check and a 500 minimum credit score let Splitero reach homeowners nothing else will, and that's the danger: it removes the check that would stop you taking on a cost you can't carry. All three of its CFPB complaints are still unresolved. Compare it in total dollars against a HELOC, a cash-out refinance and selling before you go ahead.

Skip it if you have qualifying income, or haven't yet ruled out a HELOC, a cash-out refinance and selling.

About Splitero Home Equity Investment

Up to $600,000 with no income check and a 500 credit score. These are the loosest terms here, on the riskiest product class. Splitero Home Equity Investment is offered by Splitero, Inc. (NMLS #2327455). Our editorial rating is 3.1 out of 5.

Best for: Homeowners with equity but no qualifying income, who have exhausted the alternatives.

Editorial grade: C+ (composite score 61/100).

Highlights

• A home equity investment, not a loan: the company states no monthly payments and no income or employment requirement
• Minimum credit score stated as 500, the lowest of any lender or provider in Money's lending feeds
• Up to $600,000
• 3 CFPB complaints, all in the last three years and all about applying. All three still show as in progress

What we like

• Reaches homeowners nothing else will: no income check, no employment check, a 500 score
• You keep your existing mortgage and its rate, which matters a great deal to anyone holding a low pandemic-era rate
• No monthly payment to service

Where it falls short

• "No income or employment required" is the feature that makes this dangerous: it removes the check that would otherwise stop someone taking on a cost they cannot carry
• All three CFPB complaints are unresolved as of September 9, 2026, which on a base of three is not a pattern but is not nothing either
• The shortest track record in a product class that has not yet been through a full housing downturn

Fees, minimums, and rates

Monthly fee: Origination fee plus a share of appreciation; no interest and no monthly payment. Minimum to open: Not applicable. Rates and fees last checked on September 9, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Splitero, Inc. (NMLS #2327455). It is built from Splitero, Inc. (NMLS #2327455)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Equity Sharing Agreement shortlist. The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.