You can access up to 80% of the equity in your primary residence and 70% for an investment property (vested in personal name) in as little as 5 days with NO DOCS! Income is qualified by linking your bank accounts to PLAID and your last 12 months of deposits are used as income to qualify (expenses don't matter!). Also, no appraisal needed for loan amounts 500k and under. Max loan amount is 750k.