FIX & FLIP AND CASH-OUT REFI LOANS

Quick financing for the real estate investor who wants to get in, get out, and move onto the next project. EquityMax provides a hard money avenue for borrowers to source their next fix and flip projects, from flexible LTVs, competitive rates to minimal insurance requirements.  There’s never a prepayment penalties and with a free comparable and repair analysis from our expert team, we can help you get your next deal started immediately.
  • realtor
  • breia
  • cfri
  • palm-beach
  • dreia
  • famp
  • jaxreia
  • tampa-reia
  • tampa-reia

FIX & FLIP/CASH-OUT REFI BENEFITS

FLEXIBLE LTVS

We offer loans to borrowers with a higher LTV than other typical private money lenders. Additionally, we’re willing to use after-repaired value to determine the amount of your loan as well as the purchase price. 

FREE COMPARABLE ANALYSIS

We provide a free comparable analysis and our “seal of approval” to give you the confidence that your deal can ultimately become a profitable venture.

COMPETITIVE RATES

Whether you’re looking for an interest-only or fully amortized loan option, EquityMax provides industry leading rates for its borrowers encompassing several flexible structures.

NO BALLOON NOR PREPAYMENT PENALTY

When you’re working with EquityMax, you don’t need to worry about when to pay off the loan. Our flip loans don’t have a large balloon payment at the end of its term and there is no penalty for paying off early.

MINIMAL INSURANCE REQUIREMENTS

EquityMax doesn’t require our borrowers to have wind, flood, nor builder’s risk insurance in order to get a loan. Simply fire coverage is fine with us.

FREE REPAIR ANALYSIS

We break down the costs to renovate your investment and help determine what the value of your property will be once the project is completed.

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FIX & FLIP LOAN

Available Financing Up to 90% LTV or 65% ARV
Loan Term Up to 17 years. No prepayment penalty
Time to Approval/Funding 2-3 Days from clear title and lien search
Interest Rates Starting at 8.99%
Fees Starting at 2% origination fee
Qualifications $25,000 minimum loan amount
No minimum credit score
No experience necessary
No debt-to-income ratio (DTI) analysis
No cash reserve requirement

CASH-OUT REFI

Available Financing Up to 90% LTV or 65% ARV
Loan Term Up to 17 years. No prepayment penalty
Time to Approval/Funding 2-3 Days from clear title and lien search
Interest Rates Starting at 8.99%
Fees Starting at 2% origination fee
Qualifications $20,000 minimum loan amount
No minimum credit score
No experience necessary
No debt-to-income ratio (DTI) analysis
No cash reserve requirement

WHY ARE TRADITIONAL BANK LOANS NOT THE BEST OPTION FOR FIX & FLIP INVESTORS?

SLOW PROCESS

Flipping a home is opportunistic in nature. So borrowers often need to accelerate the financing process in order to enable a quick purchase and better enable a positive return on their  investments. Traditional bank lending and even “soft money” generally have a long application and closing process that can be too time-consuming for investors.

CREDIT HISTORY

Traditional banks put a heavy emphasis on a borrower’s credit history and may dismiss their expertise in fix and flip investment opportunities.  There may often be a minimum credit score requirement as part of the traditional underwriting process.

IMPROVEMENT COSTS

Traditional lenders are hesitant to lend money toward the improvement costs of a fix and flip project.  Why?  To make sure borrowers always have sufficient leverage in the project, suitable to the lender.  We always handle this on a case-by-case basis.

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WHAT TYPE OF PROJECTS ARE BEST FOR A FIX & FLIP LOAN?

  • PURCHASE

    A borrower can purchase a property from a distressed seller at a deep discount and put it back on the market with some minor renovations. He/She can also flip it wholesale, quicker, at a more modest profit, to another real estate investor. EquityMax offers transactional funding for same-day, simultaneous closings.

  • RENOVATION

    A borrower can purchase a house, typically older and in need of repairs, and renovate it to make it more appealing before eventually putting it on the market to sell. These can be simply "paint and carpet" job or renovating a home "down to the studs."

  • NEW CONSTRUCTION

    A borrower can purchase vacant land, or even a teardown where the cost would be more to renovate than to start from scratch. Building from the “ground up”, or buy a decaying single family home and replacing it with a newer, superior home are great options to make "highest and best use" from a property.