Get Cash From Your Home Without Selling: Splitero, Point, and Beeline Equity Now
You can turn home equity into cash and still live in your home — Splitero, Point, and Beeline Equity Now all make that possible, with no monthly payment and no need to move. Where they differ is in what you hand over in exchange. Splitero and Point are home equity investments (HEIs): you keep sole ownership, but they place a lien on your title and you settle by a deadline. Beeline Equity Now is equity co-ownership: you sell a fixed slice and Beeline joins you on the deed as a minority co-owner, with no deadline. This guide compares the three on what you keep, what you give up, and what it costs to stay put.
Quick Answer
All three let you access cash without selling your home or making monthly payments. Splitero and Point are home equity investments: you remain the sole owner, they record a lien, and you settle a share of your home’s value by a deadline (both offer terms up to 30 years). Beeline Equity Now is very different: you sell a fixed percentage of equity, Beeline Equity Now joins you on the deed as a minority co-owner, and there’s no term — you can buy your share back any time after year one, or settle when you sell.
The three, side by side
Specific terms vary by provider and change over time — confirm current details with each company before deciding.
| Splitero | Point | Beeline Equity Now | |
|---|---|---|---|
| How you access cash | HEI (lien) | HEI (lien) | Sale of a fixed equity slice |
| Who’s on title | You (with a lien) | You (with a lien) | You + us as minority co-owner |
| Stay in your home | Yes | Yes | Yes |
| Monthly payments | None | None | None |
| Deadline to settle | Up to 30 years | Up to 30 years | No deadline |
| Upfront fee | 4.99% origination + costs | Up to ~3.9% + costs | 8.5% + costs |
| Cash | Up to ~25% of value or ~$500,000 | Up to ~$600,000 | $50,000–$200,000 |
| Credit | Min ~500 | Min ~500 | No credit or income check |
| Reach | ~14 states | ~26 states + DC | Select ZIPs, home value $900,000+ |
Staying in your home: what you keep and what you give up
The appeal is the same across all three — you get cash and you don’t move. The difference is what changes on your title, for how long and the foreclosure risk that comes with a lien.
With Splitero and Point, you stay the sole owner of your home; the company records a lien, much like a second mortgage sits behind your first. You control the property and live there, but a settlement is due by the end of the term. With Beeline Equity Now, you sell a small, fixed slice of your equity, and we’re recorded on the deed alongside you as a passive minority co-owner possibly for decades — your name stays on the deed, you keep control of the home, and you decide when to sell. There’s no lien and no deadline.
So the honest trade is this: an HEI keeps you as sole owner but adds a lien and a settlement date; co-ownership removes the lien and the deadline but adds a minority co-owner to the deed.
How you get the cash — and who qualifies
Getting funded looks broadly similar: an estimate, a home valuation, some paperwork, then cash — no monthly payment along the way although Beeline Equity Now has less paperwork and is somewhat faster. Eligibility is where they part.
Splitero lists a minimum credit score around 500 and requires at least 30% equity, and offers their product across roughly 14 states. Point also reviews credit and reaches more markets — around 26 states plus DC. Beeline Equity Now does not check credit — eligibility rests on the property, occupancy, and title — but it currently requires a home value of at least $900,000 and operates in select ZIP codes. So a homeowner with a lower-value home may find Splitero or Point available when Beeline isn’t; a higher-value home owner who prefers to avoid credit checks may be attracted to Beeline.
What it costs to stay put
None of these options charge a monthly payment, so the cost shows up in two places: the upfront fee and what you settle at the end. Upfront, Point is usually cheapest (a processing fee up to ~3.9%), then Splitero (4.99% origination), then Beeline Equity Now (one-time 8.5%) — all plus standard closing costs, typically taken from proceeds.
At the end, the HEIs use a formula: a share of your home’s value, with Point applying a homeowner protection cap that limits how much its share can grow if your home appreciates sharply (Point is often cited as one of the more homeowner-friendly HEI structures for this). Beeline uses no formula — sell 10% and it’s 10% at the end, up or down with your home’s value. A lower upfront fee doesn’t always mean a lower total cost, so weigh the exit alongside the entry.
HEI vs. equity co-ownership: the core distinction
A home equity investment (HEI) is a contract: cash now in exchange for a share of your home’s future value, secured by a lien and settled by a deadline. Splitero and Point are both HEIs.
Equity co-ownership is a true real estate sale of a fixed slice of equity, with the buyer recorded on the deed as a minority co-owner — not a lienholder behind you. No loan, no monthly payment, no interest, no maturity date. Beeline Equity Now sits here; it is not an HEI.
Where Splitero or Point may be the better choice
Honest comparison matters, so here’s the plain version. If your home is worth under $900,000, or you’re outside Beeline’s ZIP codes, Splitero or Point may be available when Beeline isn’t. Both charge a lower upfront fee than Beeline’s 8.5%. Splitero’s low credit floor and Maturity Match (its term can run as long as your senior mortgage) suit a homeowner with bumpy credit who wants a long runway. Point’s larger cash ceiling, wider reach, and protection cap make it a strong all-round HEI for many homeowners.
What makes Beeline Equity Now different
Four features set equity co-ownership apart from an HEI:
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No lien on title. We’re on the deed as a passive minority co-owner, not behind you as a lienholder.
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No fixed term. No maturity date forces a settlement. Buy your share back any time after year one, with no exit fee.
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No balloon settlement. When you sell, Beeline receives a pro-rata share of the proceeds — the same percentage sold upfront.
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No multiplier or cap. What’s agreed at the start is what applies at the end, in both directions.
The trade-off is honest: a higher upfront fee, a narrower cash range, and fewer eligible homes today. In exchange, no lien, no deadline, and no formula deciding what happens later.
Frequently asked questions
Can I stay in my home with any of these? Yes. All three let you access cash and keep living in your home, with no monthly payment and no need to move. Splitero and Point place a lien while you remain sole owner; Beeline Equity Now records itself on the deed as a passive minority co-owner while you keep control and decide when to sell. Confirm the specifics with each provider.
Do I still own my home? With Splitero and Point you remain the sole owner, with a lien recorded against your title. With Beeline Equity Now you sell a fixed slice and share ownership with us as a passive minority co-owner — your name stays on the deed and you control the home. Review each agreement’s terms on control, occupancy, and sale.
Is Beeline Equity Now a home equity investment (HEI)? No. Splitero and Point are HEIs — lien-secured contracts with a settlement deadline and a formula that sets what you owe. Beeline Equity Now is equity co-ownership: a true sale of a fixed slice, with Beeline recorded on the deed as a minority co-owner. There’s no loan, no lien, and no fixed term.
Which costs the least to access cash? Upfront, Point (up to ~3.9%) is usually cheapest, then Splitero (4.99% origination), then Beeline (8.5% one-time). But the entry fee isn’t the whole cost — an HEI’s total depends on your home’s appreciation and its formula or cap, while co-ownership settles at the same fixed percentage. Compare the exit math too; terms vary by provider.
Can I use any of these if my home is worth under $900,000? Beeline Equity Now currently sets a $900,000 minimum and operates in select ZIP codes, so it may not be available for lower-value homes. Splitero and Point have their own criteria and may be available where Beeline isn’t. Check each provider’s eligibility directly.
This article is general information, not financial, tax, or legal advice. Provider terms change and vary by situation — confirm current details with each company and consult a qualified professional before making a decision.