With so many hard money options for real estate investors in the Golden State, EquityMax looks to separate itself through speed and longevity. While other lenders come and go, EquityMax relies on 30 years of operational experience to make the loan process easy and effortless for all of its borrowers.

Customized Hard Money Options For Your Next Project

Family Money

EquityMax is not reliant on institutional funds to close your deals. This means in-house decision making without any third-party involvement and immediate access to the money that closes your deals.

Owners Insight

Want to know what we think? Get on a call or email the owners directly, who seamlessly guide our real estate investors through the financing process, answering all of your questions along the way.

No Appraisal

Fewer docs means less lag time between our first call with the borrower and closing. EquityMax sources reliable data for nearby comps to verify your loan amount without the need for a formal appraisal.

New Investors Welcome

EquityMax offers the same private money products to both new and seasoned investors. We welcome the opportunity to build a relationship with all borrowers, whether it’s your first deal or 10th deal.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In California?

Latest Success Story

A very credit-worthy borrower approached us with a unique purchase loan on a condominium. While a fairly straight-forward unit, the condo restrictions and warranties prevented traditional lenders from financing. Given the strong comps and demand in the market for similar units, EquityMax was able to help fund a deal that no one else would.


Location - Burbank, CA

Loan Amount - $305,000

Purchase Price - $380,000

Loan Type - REFI

Term - 12 Moths - 17 Years (Borrower Option)

Rehab Amount - $20,000

Actual Retail Value - $495,000

Profit - $95,000

Driving Factors For California Real Estate Market

Low Property Taxes

While not the lowest in the country, California offers friendly property tax rates compared to surrounding states, which can help offset investors’ expenses and increase overall cash flow.

Declining Foreclosure Rates

Even with rising prices and interest rates, foreclosure filings in CT are down about 69.5% over the first six months of 2022 from the same point in the previous year.

Long-Term Rental Properties

Historically low inventory levels are creating more competition for properties, with many borrowers flocking to long-term rental “buy and holds” as opposed to fix and flip projects that are carrying thinner margins.

California Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Los Angeles, San Diego, Riverside, Orange, San Bernardino

EquityMax Insight

In California, houses typically sell quickly with a median time on market of around 15 days. Hence, when our client approached us with a quick closing timeline, we knew this necessitated immediate due diligence and a “fast track” closing to ensure the borrower’s deal looked attractive to the seller. Sure enough, there were few hiccups in this deal, as we successfully closed in less than two weeks for our client, who in turn flipped his Burbank Condo for a sizable return on investment!

What Our Clients Say

May 27, 2021

EquityMax has been a pleasure to work with as a private lender. As a title company, we need great lenders as much as they need great title companies. Cannot say enough how easy it was to work with them. I wish all lenders were this great!

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible TermMinimal Insurance RequirementsZero Prepayment Penalty

Foreign National Loans

ZERO Credit or Qualification RequirementsNo Personal Guarantee RequiredFree Comparable and Repair Analysis

Transactional Funding

Catering to Real Estate Wholesalers1-3 Day FundingMinimal Notice to Close

Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401KNet Proceeds from Investing are Tax-DeferredNo Personal Guarantee

Have You Been Previously Denied By A Lender? Get A Second Chance With EquityMax

Did You Know

Before working at EquityMax full-time, Gregory Emmer started off his career in Los Angeles at UTA, a global film agency. This corporate experience instilled the hard-working values he asks of his team each and every day.

Frequently Asked Questions

EquityMax does not require our borrowers to be a Corporation of LLC.  We can originate loans to individuals, LLCs, Corporations, Land Trusts, and Self-Directed IRAs.

Yes. EquityMax has multiple borrowers with several active loans in our portfolio.

Simply put, yes, EquityMax lends on AirBnB-type short-term rentals, which several lenders do not finance. We have actually seen that these types of high profit, short-terms leases are agreeable to what tend to be higher interest rate loans synonymous with hard money.

LAREIC is a great opportunity to network in the Southern California region, as a means of finding new investment opportunities. Similar REIAs and investment clubs exist around the state, from San Diego up the PCH to San Francisco and the Bay Area.

Both! EquityMax only lends its own family funds, making it a 100% private investment vehicle. Yet, as a nationwide lender, it has the scope right on par with the largest, institutional-backed hard money options.

Yes, EquityMax welcomes the opportunity to finance rural and more remote pieces of real estate. We just financed a piece of vacant land with a mobile home in Rio Vista, not too far from the state’s border with Oregon.

EquityMax can send a borrower a Proof of Funds within 5 minutes of receipt of an acceptable, three-score credit report.  If a borrower does not have a recent report, he/she can request that Equitymax pull it.  For instructions, please click here.

EquityMax lends on any form of residential property, including single family homes, 1-4 multi-unit properties, condominiums & townhomes, and even small apartment complexes (20 units or less).  We also lend on commercial property and industrial warehouses.

Receive Immediate Pre-qualification Within 10 Minutes!