Homes with equity
you can buy into.
EquiLien is the instrument of record for tappable home equity in Cook County, every parcel modeled from public record, banded by equity share, and rolled into owner accounts. Your origination desk works the homes that actually fit a HEI, not a mailing list.
Co-invest into a real equity cushion
HEI works only when there's room behind your stake. EquiLien ranks every parcel by modeled equity share across a 7-band distribution and flags the free-and-clear and 60%+ homes where a 10–20% investment still sits behind a thick owner cushion, so your underwriters screen on the number that decides the deal.
Owner-occupied or not, your call
Some HEI programs want primary residences, others happily co-invest with absentees. EquiLien carries both: long-tenure owner-occupied 60%+ homes, and absentee + $100k-equity parcels for investor-friendly mandates. Pick the universe your product allows instead of buying one blended list.
Stop paying for the bottom of the stack
A HEI on a thin-equity home is a margin call waiting to happen. By exposing the modeled equity-share band on every parcel, EquiLien lets you suppress thin-equity homes before they reach an offer, concentrating spend on the tiers where appreciation share has somewhere to come from.
One owner, every parcel they hold
Owner Portfolios collapse parcels into owner accounts by mailing address, with institutional mail-handlers flagged. Find owners sitting on multiple high-equity homes for a portfolio-level conversation, and route entity-owned parcels away from owner-occupant programs.
Where a co-investment sits in the equity stack, and the population behind it.
Every claim is a live number.
The questions your desk will ask.
How fresh is the equity data?
Every parcel is modeled from the latest public record we've ingested, and the source vintage is shown alongside the number. We label equity as modeled rather than asserting a live mark, so your team treats it as a screening signal to confirm at offer, not a guaranteed balance.
Is the coverage enough for a HEI desk?
We report coverage honestly rather than padding the denominator. For a HEI desk, a smaller universe of well-modeled high-equity homes beats a giant list where most parcels have no equity signal at all.
No rate or payment data. How do I price the offer?
v1 is deliberately an equity-and-ownership instrument: equity share, lien presence, tenure, occupancy, and owner portfolios. HEI offers are priced off the equity cushion and appreciation share, exactly what this dataset exposes. You bring your own cost of capital.
Can I use this to decide who qualifies?
No, and we build it so you can't mistake it for that. EquiLien carries no credit data and makes no FCRA-covered eligibility determination. Use it to find and prioritize homes that fit your mandate; run your own compliant underwriting to decide terms.
Same county records. A page for every play.
See your county's equity,
observed at the source.
A bounded Cook County pilot on your own targets, with a full coverage disclosure, in under two weeks.