INVESTING WITH EQUITYMAX    

EquityMax is the real estate investor’s one-stop source for bargain-priced residential real estate investments and non-qualifying financing! 

EquityMax is not your typical real estate office or mortgage lender. We neither list many properties, nor do we seek out listings. We have no customers who are owner occupants, either. Our one and only focus is the residential real estate investor. We spend every minute of every day finding, selling, and funding deals for real estate investors. The services we offer, detailed in this presentation, are designed to help you, the real estate investor, maximize your profits with a minimal cash investment. Established in 1990 to serve the needs of the real estate investment community, EquityMax has grown to be the leader in our market. With our help, and a solid effort on your part, you should be able to profit handsomely in the business of real estate investing.

How do you go about finding “deals”? There are many options, but most of them take days, even weeks of research and effort, often leading in dead ends. At EquityMax, we offer a unique service that “takes the guesswork out of it”. EquityMax offers a free list of qualified and available residential properties in the Southeast Florida market. This list is compiled of properties from the MLS and other sources. Our office studies over 10,000 opportunities per month to find 150-200 qualified investment properties. No one does more extensive research from these sources than we do! We deliver this list to nearly 600 real estate investors twice a week by both E-Mail and fax. As a result we make approximately 300 offers on behalf of our investor-buyers monthly, and are usually successful in selling 40-50 properties per month. Let our time, effort and expertise work for you!

Our list of properties is heavily made up of bank repos and estate  properties, and some privately owned properties. The list is comprised of approximately 75% single family homes, 23% 2-4 unit, and 2% larger apartment bldgs. and occasional commercial bldgs. Most homes are in need of $5,000-20,000 of repair. However, they are typically available substantially under market value, leaving plenty of room for the real estate investor’s profit margin. The list contains approximately 250 properties among Miami-Dade, Broward, and Palm Beach Counties. About 30% of the list changes weekly. The properties we select sell very fast!

Before any property is placed on our list, we prepare and scrutinize a competitive market analysis of the subject property. A copy of this is immediately available to our customers. With this in hand, we invite you to share our thought process as to how to structure an effective offer for the property as well as what the final repaired value will be.

Another viable source of properties for investors is HUD. EquityMax works on only a flat $1,000 commission from the seller in selling HUD properties. What our lower commission means to you is that HUD obtains a higher net price to them, and your bid has a better chance of winning. For example:

Price of Home:                                                             $50,000                                                           $50,000

   Other agent’s regular 6% commission:                      3,000           EquityMax commission:            1,000

Net to HUD                                                                   $47,000                                                           $49,000

       Result: EquityMax customer wins bid, since HUD gets higher net!               

Now that we’ve helped you find an investment property, how are you going to finance your purchase? EquityMax is ready to make a fast “hassle free” hard equity loan to you just for this purpose. As a matter of fact, these types of loans are our specialty. That is, unlike the typical mortgage lender ,we prefer to make mortgage loans on vacant, unrepaired properties. We don’t care how rough the property or area is. We know that every property has a value, and we will lend against that value.

EquityMax lends real estate investors approximately 75% - 90% of their purchase price, and sometimes even more! Our mortgages are generally non-qualifying! That is we don’t investigate your income, nor do we care if the property is in disrepair. One way or another, we’ll make a mortgage loan to you! Borrowers with good credit scores receive the highest LTV’s. At EquityMax, there is no “pre-set” credit limit per client or transaction. Each deal and borrower is evaluated individually. To date, our lowest loan amount has been $4,000, and our highest has been $2,000,000. Our rates, points and fees are market based, and competitive with other hard equity lenders serving the same market. Within 3 days of your verbal loan request we will fax you a good faith estimate of all costs, fees, and the agreed-upon interest rate for your mortgage. EquityMax will lend on ANY property, statewide, no matter where you bought it! If the deal makes sense, we’ll do it! Make sure you consider these points in evaluating your financing alternatives:

NO APPLICATION FEE                                             NO MINIMUM CREDIT / NO INCOME**

NO PREPAID ORIGINATION FEE (@18%)             NO EXCESS TAX / INS. ESCROWS

NO MTG. BROKER POINTS (from lender)            NO WINDSTORM NOR FLOOD INS.

NO APPRAISAL, NO SURVEY                                  NO “PROCESSING” FEES

NO ROOF / TERMITE INSPECTIONS                     NO CREDIT LIFE OR MIP                                                                                              

1. Our mortgages are assumable!

2. $5,000-$350,000 per transaction!

3. Immediate refi’s (no seasoning required)!

4. We will advise you of the steps you can take to refi soon at lower rates!

5. Mortgage brokers and Realtors welcome!

EquityMax can close loans within 48 hours if need be. We have two full time law firms/title companies representing us. They can either close the transaction themselves, or overnight or courier a mortgage package to the closing agent of your choice.