How to Find Properties With High Equity: 6 Tools Compared

Goliath Data publishes this guide, and Goliath is one of the tools compared. Prices and features were checked on each company's own site on November 5, 2026, and can change.

To find properties with high equity, you need two numbers for every house: what it's worth and what the owner still owes. No tool knows either one exactly. Every equity figure you see is an estimate: an automated value minus a modeled mortgage balance built from recorded loans. Six tools do that math for investors: Goliath Data, PropStream, PropertyRadar, DealMachine, BatchLeads and ATTOM. They differ in how they let you filter on equity, what else they stack it with, and what happens once you find the owner.

The other half of the job is checking the estimate before you make an offer. That part is free, and it's covered below.

How equity estimates are built, and why they miss

ATTOM's quarterly equity report spells out the usual method: loan balances come from a model built on recorded mortgages and deeds of trust, and values come from an automated valuation model (AVM). Each half can be wrong:

• The value is a model. In about a dozen non-disclosure states, including Texas, sale prices aren't public record (Redfin). Valuation models have less to learn from there, so values and equity are looser.
• The recorded loan shows what was borrowed, not what's owed. The current balance is modeled from the original amount and an assumed payment schedule. An owner who paid extra, or refinanced into a different term, won't match the model.
• Private loans may not show up cleanly. Seller financing, family loans and hard-money notes may be recorded late, recorded in ways data models miss, or not recorded at all.
• HELOCs are a blind spot. A recorded home equity line usually shows the credit limit, not how much is drawn. HELOC balances totaled $459 billion in the second quarter of 2026, $142 billion above their early-2022 low (New York Fed). An owner who looks 70% clear may have drawn the line to the limit.
• Payoffs can lag. When a loan is paid off, the trustee generally records a reconveyance (or, in mortgage states, a satisfaction of mortgage). Until that release is recorded, the old loan still looks open.

So treat equity as a sorting tool that tells you which owners deserve a closer look, not as a fact.

How much equity is out there

Plenty, though less than a year ago:

• 41.1% of mortgaged homes were equity-rich in the second quarter of 2026, meaning loans of 50% or less of estimated value, down from 47.4% a year earlier. Another 3.2% were seriously underwater, owing at least 25% more than the estimated value (ATTOM).
• The average mortgaged homeowner held about $310,500 in equity in the first quarter of 2026, and 1.9% of mortgaged homes, about 1.09 million, had negative equity (Cotality).

Those are national averages, built on estimates too. Your county can look very different.

Tools to find properties with high equity

1. Goliath Data

Goliath treats equity and tenure as one seller signal among several, and it's most useful stacked. A long-tenure owner with estimated equity and a tax delinquency or a probate filing is a different conversation from a long-tenure owner with nothing going on. Goliath ties those signals to the same owner record, and each opportunity keeps its source record so you can see what put it on your list. Property and distress records are updated hourly, though refresh timing varies by source and market.

Once you've found the owner, the work stays in one place: skip trace (published 99% match rate and 85% accuracy, no charge for misses), then call, text opted-in contacts, or send direct mail. David, Goliath's AI voice agent, can handle calls and configured follow-up, then hand the conversation to your team with the history attached. On iPhone, point the camera at a house to see the owner, years owned and estimated equity.

• Pricing: Ramp $1,499/mo, Growth $2,999/mo, Scale $7,499/mo (pricing). That's a premium price next to list tools, because it covers the data, the CRM and outreach tools, and setup by Goliath's team.
• Worth knowing: Goliath shows estimated equity, not an exact figure, and coverage varies by county and record type. Check your counties in a demo. See Data Pipelines for the signal list.

2. PropStream

PropStream's High Equity list includes properties with 50% or more equity, a loan-to-value under 50%, or $100,000 or more in equity. Its Free & Clear list shows properties with no active mortgages, and you can set a custom estimated equity percentage. Plans run $99, $199 and $699 a month. Low entry price is its strength (our PropStream review).

3. PropertyRadar

PropertyRadar includes mortgage, valuation and equity data, with filters on mortgage details and equity. Its Transaction History shows the chain of deeds, loans, liens and assignments, which is useful when you want to see why the equity estimate says what it does. Plans run $119 to $599 a month, less when prepaid annually, with a 5-day trial.

4. DealMachine

DealMachine lets you filter by equity threshold alongside ownership length, vacancy and 800+ other filters, and its address lookup shows the owner's equity position. Plans start at $99/mo. Strong if you also drive for dollars.

5. BatchLeads

BatchLeads filters on mortgage type, interest rate and loan-to-value, and lets you score leads on home equity. Owner profiles show total equity and total debt across everything an owner holds, handy for spotting landlords with paid-down portfolios. Plans run $119 to $749 a month with a 7-day trial.

6. ATTOM

ATTOM is a data provider, not an app. Its data covers 160 million+ U.S. properties, and its record-level loan model and AVM are the method behind its public equity reports. Pricing is by quote. A fit if you have developers building your own scoring.

How to verify equity before you make an offer

Before an estimate becomes a number on a contract, check it against the county record. It costs little or nothing:

1. Search the recorder's index by owner name. Many counties index official records by name, so expect namesakes and filter by property.
2. List every recorded mortgage and deed of trust. Note dates, amounts and lenders, including any HELOC or private lender.
3. Match each loan to a release. Look for a satisfaction of mortgage or a reconveyance. A loan with no release is either still open or a payoff nobody recorded.
4. Check for other liens. Judgments and tax liens cut into equity too. For tax status, see official tax-delinquent lists.
5. Confirm with the owner, then title. Ask what's owed during the conversation, and order a title search before you close.

How to choose

• You want a cheap, fast high-equity list to market to: PropStream or DealMachine.
• You want to see the loan history behind the estimate: PropertyRadar.
• You buy from landlords and want portfolio-level equity: BatchLeads.
• You have developers and want raw data: ATTOM.
• You want estimated equity stacked with distress signals, and the skip trace and follow-up in one system: Goliath Data.

Whichever you pick, test it on 20 properties in a county you know. Run the tool's equity estimate, then pull the recorded loans and releases yourself. How often they agree tells you how much to trust the filter in your market. For more list sources, see where to find distressed property sellers.