Your equity is up, cash is down, and monthly payments are crushing budgets 📉đźŹ
In this episode, we sit down with Derek Jarr of Stay Frank to break down a practical alternative for homeowners who can’t — or won’t — take on new debt. We unpack home equity investments, a model that provides cash today with no monthly payments and a payoff at sale or refinance.
If you’re sitting on a 2–4% mortgage you won’t touch, a sub-620 credit score, and five or six figures of equity locked inside your walls, this could be the bridge between high-interest cards and real financial stability.
We walk through exactly how the structure works using real numbers, the trade-offs versus HELOCs and cash-out refis, and why this isn’t “cheap money” — it’s a strategic bridge. Derek explains the guardrails that keep deals safe, including typical credit bands, minimum accessible equity, and loan-to-value thresholds.
We also explore when a sale-leaseback can be the smarter move đź§
Selling the home to an operator while leasing it back allows homeowners to delay a move and unlock funds now. This can be especially powerful for retirees or anyone facing rising HOA dues, insurance premiums, and property taxes.
For performance marketers, this is a greenfield opportunity 🚀
Search demand is still thin because consumers don’t fully understand the category, which creates massive upside for operators who lead with education. Declined refi leads, HELOC fallout, debt settlement lists, and distressed homeowner data can convert extremely well when you qualify properly and transfer warm calls.
We dig into payout structures, two-to-four-week funding timelines, and why early adopters can capture outsized returns before this category goes mainstream.
If you’re ready to test a niche that solves a real problem and rewards operators who actually do the work, this episode maps the playbook.
Enjoy the episode, share it with a friend who needs a smarter path to liquidity, and subscribe to stay ahead of the next niche that scales đź‘Š
Sponsors:
Ringba – call tracking and pay-per-call infrastructure built to scale
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NewsBreak – reach local audiences at scale with native advertising
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No Money No Honey
