The home state of EquityMax, and where it’s lending operation began in 1990: Florida. As an area where investors consistently flock to, to say there are numerous financing options is an understatement. Year in, year out, EquityMax continually separates itself through speed of process 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, from Miami and Fort Lauderdale to Jacksonville, Orlando, and Tampa.

Experience The Benefits Of Our Financial Services In Florida

In-House Serving

From the borrower’s initial inquiry through to loan payoff, the same wonderful staff at EquityMax is here to help. We never sell our loans or outsource loan servicing to a third-party. Even after funding, we offer a single point of contact to answer all of your post-closing questions.

We Finance Around The State

From the Panhandle down to the Keys, to even smaller towns and counties, EquityMax finances everywhere in FL. No matter the property type – rural, residential, or urban. In large metro areas and smaller towns alike, if the deal has profit potential, we will finance it with minimal requirements and no hassle.

Newbies Welcome

Florida is a large market, full of opportunity for new investors to join in. While several private money lenders only work with experienced investors, at EquityMax we are encouraged by the opportunity to work with both new and veteran investors alike, whether it is your first deal or your 100th deal.

Longstanding Reliability

For nearly 30 years, we’ve funded more than $2 billion in hard money loans and been a one-stop shop for real estate investors seeking creative financing. Simply put, we have consistently shown our first-time and returning borrowers the expertise needed when they are looking to fund their next investment property.

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

Latest Success Story

A borrower came to us with two days to close because her previous lender could not close because of an appraisal issue. We immediately underwrote the deal over the phone and ordered the BPO. With the title already back, we were able to close and fund this deal 48 hours from our first phone call.


Location - Clearwater, FL

Loan Amount - $220,000

Purchase Price - $275,000

Loan Type - Purchase

Term - 12 Moths - 17 Years (Borrower Option)

Rehab Amount - $30,000

Actual Retail Value - $395,000

Profit - $75,000

Driving Factors For Florida Real Estate Market

Growing Population

Florida’s population has grown by more than 2.7 million since 2010 and the state expects to add 845 new residents per day through 2025. Simply put, there is a continuous market for which to invest and market real estate for investment, sale, or rent.

Favorable Economic Conditions

Florida pro-business climate attracts a diverse group of people from around the globe to invest in real estate across the state, whether you are a foreign national living abroad or an investor from outside of the Sunshine State. Additionally, the unemployment rate is just 4.6% and residents enjoy the benefits of no state-level income tax.

Strong Renters’ Market

Being in a tourism-focused state, there are plentiful opportunity for investors to focus their investment strategy on rentals – whether seasonal, short-term, or long term. Metro areas surrounding DisneyWorld, for instance, are expanding at record pace to accommodate a wide spectrum of new tenants.

Florida Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Broward, Miami-Dade, Palm Beach, Lee, Hillsborough

EquityMax Insight

Florida is keeping up with the rest of the US, being one of the hottest real estate markets in the country. Whatever the overall climate in real estate may be, it tends to be amplified in Florida. When the market is strong in the US, it is on fire in Florida. When the market was down during the Great Recession, values were far worse and volatile in Florida. Hence, with inflation on the rise and interest rates going to unknown territories, it is important for investors investing in Florida to properly hedge against any potential market fluctuations that could be forthcoming.

What Our Clients Say

April 13, 2022

I am so thankful that there’s a lender like EquityMax out there. Family run, fully transparent, and competitive with their terms. No wonder they’ve been around forever!

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

EquityMax is active around the state, attending a variety of REIAs in FL, including CFRI, GOREIA, TampaREIA and Yellowbird Connect in Jacksonville.

Frequently Asked Questions

Yes, we do, even though other lenders do not. EquityMax is fine with additional funds coming in “behind” our loan, or in second position, in the form of rehab funding or down payment funding that the borrower may need as part of his or her transaction.

EquityMax never orders appraisals. We order BPO (Broker Price Opinion) reports from realtors local to the subject property. We find the valuation more accurate, and it’s also quicker and cheaper.

EquityMax thinks the smaller markets around the state are prime for investing. Towns like Lakeland, Winter Haven, Melbourne are potentially less exposed to volatility that larger metro areas.

Receive Immediate Pre-qualification Within 10 Minutes!