The ability to effectively and efficiently close a hard money transaction can be difficult for newer lenders without market expertise. Having been in business for nearly 30 years, through the booms and busts, EquityMax understands that attention to detail is important. Oftentimes, this can be the difference between closing a deal or having a borrower lose out on an investment opportunity. Let our years of experience make sure your deal funds on time, every time, in as little as 48 hours.

EquityMax Will Be Your Hard Money Lender In Idaho

North, South, East, West

While geographically small, there are several growing markets where investors can be successful. From Idaho Falls and Boise to Twin Falls and Coeur d’Alen, there are an array of investment opportunities at your disposal. EquityMax will fund in any area if the deal makes financial sense.

Family Office

EquityMax funds each and every deal from our own personal family funds. Less corporate bureaucracy means our borrowers can access capital quicker. For your deal, this leads to quicker answers and a more seamless real estate transaction, whether you invest in Boston or beyond.

Property-Specific Funding

EquityMax understands the wire array of property-types that today’s investor can choose from. Whether a single family home, multi-unit, or apartment complex, we vet all commercial and residential real estate properly that have money-making potential.

Your Opinion Matters

A company is only as good as its ability to appreciate and implement constructive feedback. EquityMax welcomes comments from all of its borrowers. This always enables us to improve from deal-to-deal and make our process easier than it was before.

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

Latest Success Story

A newbie investor had the opportunity to purchase a family home that had been owned by his parents. He needed a loan to buy out the interests of his siblings. EquityMax structured this loan with zero money down, and now he stands to make an impressive profit upon sale.

Residential Single Family

Location – Boise, ID

Loan Amount – $200,000

Purchase Price – $300,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – $35,000

Actual Retail Value – $500,000

Profit – $150,000

Driving Factors For Idaho Real Estate Market

Growing Demand

Idaho attracts buyers from across the country so it’s not a surprise that demand in the state is soaring. With few listings on the market, the increase in demand will continue to drive up prices for the foreseeable future.

Smaller Cities Growing More Popular

Boise has become too expensive for many home buyers so many have been branching out to secondary cities like Nampa and Idaho Falls. Appreciation hasn’t hit those markets as heavily yet so more affordable housing is available in those areas.

New Construction Is On The Rise

With an inventory shortage on hand, Idaho has started to alleviate the issue with more construction activity and large-scale housing projects. While it will take some time, this should help ease demand and rising prices for the future.

Idaho Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Ada, Canyon, Kootenai, Twin Falls, Bannock

EquityMax Insight

Over the last two years, Idaho has seen homebuyers converging on the state for affordable housing situations. However, the state’s real estate market has now become congested, and as a result, prices have soared. Flips and rehabs with solid profit margins are still prominent across the Gem State but investors should be ready to act quickly in this newly competitive market. As with the rest of the country, long-term rental properties have become a popular exit strategy in Idaho where the price-to-rent ratio is 31.28, which means renting is much more affordable for buyers. Therefore, landlords can take advantage of a higher supply of applicants leading to impressive monthly cash flows.

What Our Clients Say

December 8, 2022

“The tricky deals are ones that most lenders have trouble with, but not EquityMax. The more difficult the deal, the easier it is for them to close!”

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 employees enjoy their time away from the office in one of Idaho’s popular ski resorts, Sun Valley.

Frequently Asked Questions

Yes, EquityMax will finance your STR rental investment.  No previous STR experience required.

We are title company friendly and do not necessitate use of our own title company for closings.  You can choose whichever company works best for you.

Yes, we lend throughout the state of Idaho, no matter the population of the city, town, village, or resort.

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