Property records filtered to owners whose estimated equity exceeds 50% of market value. The single broadest investor-grade cohort in real estate — lendable equity for HELOC + cash-out refi outreach, sellable equity for wholesaler cash offers.
Equity = estimated value − estimated mortgage balance. Both inputs are estimates. Here's exactly what those estimates are based on.
Value side: AVM (automated valuation model) from the upstream property-data chain. Calibrated to nearby sale comparables within 6 months, updated monthly. AVM accuracy is typically within ±5-10% of actual sale price for residential SFR.
Mortgage side: last-recorded mortgage balance at the county recorder's office, amortized forward by the recorded loan terms (rate + duration). Doesn't capture: paydowns ahead of schedule, HELOCs taken since last recording, second mortgages from non-major lenders.
Net effect: our equity estimate slightly underestimates actual equity for properties where the owner has paid down ahead of schedule (common in long-tenure ownership) and slightly overestimates for properties with undisclosed second liens. For most wholesaler + lender use cases the estimate is accurate enough.
What we don't have: exact current loan balance from the lender, HELOC utilization, judgment liens not yet recorded against the property, IRS liens. Those require borrower consent or court records we don't run.
Different equity bands serve different outreach patterns. Cash-out refi works at 50-70%; cash-buyer wholesaling needs 70%+; free-and-clear is the sharpest cohort.
The mortgage-broker sweet spot. Enough equity for a cash-out refi or HELOC at conservative LTV. Highest population (about 60% of all 50%+ equity records).
Owner has flexibility to take a cash offer at moderate discount and walk away with substantial proceeds. The strongest cohort for cash-buyer outreach.
No lien against the property. Strongest motivation framing — owner could close a sale in days, no payoff coordination, no lender hold-ups. About 22% of US residential.
High equity is the broadest cross-functional cohort. Wholesalers, lenders, agents, contractors, and roofing/HVAC services all run this list.
Owners with lendable equity are direct refi targets, especially as rates move. Brokers running this list outperform cold-list neighborhood outreach by 3-5x on RPC and 2-3x on closed loans.
70%+ equity owners can take a moderate-discount cash offer and walk with money. The classic wholesaler list with the broadest geographic spread.
Free-and-clear owners have no lender to coordinate with. Faster closes, higher commissions per hour. Listing agents running this list see ~12-15% conversion to listing appointment.
Lendable equity = lendable improvement budget. Roofing, HVAC, solar, and kitchen contractors run high-equity lists for project financing pre-qualification.
Same 90-column schema. Equity + lender details surfaced.
Equity calculation + outreach specifics.
For owner-occupied SFR in major metros, the AVM is typically accurate within ±5-10% of actual sale price. The recorded mortgage balance is precise (county recorder data). Net equity estimate is therefore within ±5-10% of actual for typical residential, with bias toward slight under-estimation for long-tenure ownership.
Yes — pick the custom preset and toggle "Free and Clear" filter. That sub-cohort is ~22% of US residential and the highest-conversion outreach for any cash-payoff use case.
high_equity stacks just one filter: equity 50%+. motivated_seller stacks high_equity + vacant for the wholesaler-distress cohort. high_equity is broader; motivated_seller is narrower and harder-converting. See motivated-seller.
Only if recorded at the county. Major-lender second mortgages and HELOCs typically are recorded. Non-recorded second liens (rare for residential) won't appear, which would over-estimate equity slightly.
About 75-85% match (at least one phone returned per record). Higher than national baseline because high-equity owners tend to be longer-tenured with more established contact trails. RPC follows industry baseline ~25% — somewhat higher for refi outreach because rates create active interest.
Yes — that combination is exactly the standard wholesaler "absentee high-equity" target. Use the absentee preset (which already stacks both filters) or use custom with both toggled.
CA, TX, FL, GA, NC refresh weekly. NY, IL, PA refresh bi-weekly. Most other states refresh monthly. Rural counties (MS, WV, parts of MT) refresh quarterly. The wizard shows last-refresh date on row count preview.
$0.50 (about 2 rows at $0.22). No subscription. CSV in minutes.
50%+ equity property owners across all 50 states. Lender-priority. Wholesaler-priority. CSV in minutes from $0.50.
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