Financing options have never been more plentiful in New York, where the real estate investment landscape is endless. When comparing hard money options, EquityMax sets itself apart with 30 years of experience as a family owned-and-operated business that provides first-class customer care. Whether you speak with the owners directly or a friendly member of our team, we have the insight and know-how to help your real estate investment business grow to new heights.

Customized Hard Money Loans For Your Next Deal In New York

Speedy Closings

EquityMax cuts the red tape and qualification requirements for every borrower. Minimal documentation and quick communication enables us to close your deal within 24 hours from receipt of title.

We Invest Where You Invest

New York is a diverse setting with multiple avenues to be a successful real estate investor.  Whether it’s in the Big Apple or Upstate, EquityMax will finance your next real estate endeavor.

We Work Weekends

Being a successful real estate investor is a 24/7/365 operation. EquityMax understands this and offers hands-on insights with a single phone call.  Whenever you have questions, we have answers.

More Deals / Better Terms

EquityMax welcomes the opportunity to build long-lasting relationships with real estate investors, whether new or seasoned.  With each successive deal, you can always expect lower interest rates and higher LTVs.

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

Latest Success Story

A new investor had initially purchased a primary residence years back, but now was living in a different home, and renting her previous residence out.  Between renting it out and when the borrower inquired about a loan, the market price for her investment property skyrocketed.  Once that tenant no longer occupied the unit, the borrower was looking to pull cash out of her now-rental property to make some improvements and then ultimately sell the property.

Refi, Fix and Flip

Location – Gansevoort, NY

Loan Amount – $75,000

Purchase Price – $85,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – $50,000

Actual Retail Value – $250,000

Profit – $115,000

Driving Factors For New York Real Estate Market

Popularization of Urban Suburbs

Millennials are moving at a high rate to metropolitan suburban areas like Westchester and even across Long Island, where new neighborhoods are emerging that combine the best attributes of urban and suburban lifestyles. As a result, they make highly profitable investment opportunities for those in real estate.

Rental Prices

Vacancy rates are decreasing as rental housing has increased in demand, especially during the summer months. Moreover, new rental units have been appearing rapidly throughout the state and the new boost in supply has forced landlords to price their properties more competitively and offer better concessions.

Strong Home Buyer Activity

Like much of the country, real estate is in high demand across New York as homebuyers are breaking previous records. This generally makes New York state a more stable investment market.

New York Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Queens, Nassau, Kings, Suffolk, Erie

EquityMax Insight

New York state is known around the world for its real estate. With New York City in the center and growing areas like Buffalo, Albany, and Rochester scattered throughout, there are plenty of opportunities for investors to take advantage of. This particular investor has purchased a property in previously distressed condition and now needed to perform repairs and sell it.  EquityMax saw that there was  a niche opportunity in this small town for the borrower to sell her previously underpriced property for a massive profit.  We subsequently provided easy financing to ensure her dream became a reality.

What Our Clients Say

May 27, 2021

EquityMax helped me with a short-term loan to fix up a property I had owned for years. I ended up selling for a large profit, and will use the proceeds to buy my next investment.  Will definitely use them again!

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

Several EquityMax clients, who are currently in Florida, have previously lived and invested in the Empire State. Given the rising market climate in the Sunshine State, EquityMax has gained several new borrowers who are New York Transplants.

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.

EquityMax can lend on non-warrantable condos without issue.  However, EquityMax regrettably does not lend on CO-OPs because title is compartmentalized and not ultimately owned wholly by the borrower/buyer.

EquityMax will lend in urban, suburban, rural, and agricultural areas of the state. While we specialize in residential properties, EquityMax also lends on vacant land, modular homes, and anything that an investor can turn for a profit!

Certainly the greater New York City area is the most populous region in perhaps the whole country, but that doesn’t mean EquityMax will not lend in Upstate New York, even closer to the Canadian border (i.e. Buffalo) and other less metro areas such as Ithaca and Syracuse.

Real estate markets are always cyclical, and in the times of a distressed market is the time to load up on underpriced assets. Low prices don’t last forever, and a prolific market is bound to fall at some point. EquityMax, in part attests to the fact, that being a successful real estate investor has a lot to do with timing as well.

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!