PRIVATE FINANCING MADE EASY FOR YOUR NEXT INVESTMENT IN PENNSYLVANIA

In today’s real estate investment climate, there are seemingly more financing options than properties available. Even among all the competition, EquityMax positively separates itself as a long-standing hard money lender throughout Pennsylvania with its clear and transparent underwriting and funding operations. For investors from Pittsburgh to Philadelphia to Lehigh Valley, EquityMax looks to make your next investment as easy and profitable as possible.
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Transparent Financing For Your Next Investment Property

WIDE GEOGRAPHIC FOOTPRINT

EquityMax is not constricted with geographic or financial limits to where we can finance your next project. From densely populated counties like Allegheny to the investment areas of Montgomery & Bucks, we can offer hard money in all the leading metro and suburban areas of Pennsylvania.

30 YEARS OF EXPERIENCE

Having been in business since 1990, our team has transacted nearly every real estate deal and scenario over the last 30 years. At EquityMax, our borrowers can count on our team imparting this accumulated knowledge to enable them to make wise and informed real estate investment decisions.

NO MORE ACCOUNT REPS

On each and every deal, the family owners of our company are always available to talk about a specific deal with our borrowers. Access to the individual decision makers of your deal cannot be overlooked, as it leaves out the unnecessary middlemen that can hold up your closing.

FEWER DOCS

EquityMax never requires bank statements, tax returns, a formal application, or even an appraisal. In a time where sellers prefer to close in 2 weeks or less, an asset-based underwriting approach can lead to a quicker path to closing your real estate transaction.

CLOSE IN 48 HOURS OR LESS! READY TO GET STARTED ON YOUR NEXT DEAL IN PENNSYLVANIA?
APPLY FOR A LOAN

Latest Success Story

A referral from a Tennessee Realtor came in for a seasoned investor looking to flip their next investment property. This was a short sale transaction that was fairly straightforward once the bank approved the sale. EquityMax came in and beat a competitive lender’s interest rate to secure the loan. This proved to be a win-win situation for all parties involved.

FIX & FLIP LOAN
Location – Orefield, PA
Loan Amount – $80,000
Purchase Price – $100,000
Loan Type – Purchase
Term – 12 Months – 17 years (Borrower Option)
Rehab Amount – $30,000
Actual Retail Value – $200,000
Profit – $70,000

Real Estate Breakdown of Pennsylvania

EquityMax Insight

Considering the state’s economy, population, rental demand, and populous metro areas, economic conditions are prime for successful real estate investing. In addition, Pennsylvania is home to a diverse spectrum of employment industries, such as machinery and equipment, media/telecommunications, fabricated metal products, food and kindred products, chemicals and allied products, even printing and publishing.  Such a wide array of workers ultimately brings a varied group of potential buyers to the state at multiple price points for investors to work with.

Driving Factors for Pennsylvania Real Estate Market

  • Increasing Rent Prices

    The state has a high population density and rental vacancies have fallen over the last decade. As a result, demand has markedly increased, prices are rising, and a significant amount of the population has been looking to become first-time homeowners.

  • Job Growth

    Jobs have grown by 7.8% over the past six years in Pennsylvania. Furthermore, various reputable corporations such as Aramark, The Hershey Company, Comcast, and Alcoa are headquartered in the state. Even amidst the economic uncertainty, unemployment is also relatively healthy at only 4.3%.

  • Education Hub

    Pennsylvania is home to some of the nation’s top universities, including Pitt, Penn St., UPenn, Haverford College, and Swarthmore College. As a result, there are plenty of young professionals and graduates looking for rent or home to start a family not to mention vast opportunities for college-centric housing rental developments.

Foreclosure Filings For Pennsylvania

What Our Clients Say

  • “This firm knows what they are doing and through this pandemic and the shortage of money, I'm glad I have them as a partner to help my clients. Gregory and his staff (specifically Maria) did a great job in turning a file in a few weeks. I have been in the lending business for close to 20 years and I'm always looking for great partners to help our clients’ needs.  If you are looking for a fast turnaround closing on your next investment - these are the guys to reach out to. They are up front, honest and straight to the point. Thank You Equitymax!”

    Jesse Pennsylvania Mortgage Broker

FIX AND FLIP / CASH-OUT REFI

  • High LTV / Low Rates / Flexible Term

  • Minimal Insurance Requirements

  • Zero Prepayment Penalty

FOREIGN NATIONAL LOANS

  • ZERO Credit or Qualification Requirements

  • No Personal Guarantee Required

  • Free Comparable and Repair Analysis

TRANSACTIONAL FUNDING

  • Catering to Real Estate Wholesalers

  • 1-3 Day Funding

  • Minimal Notice to Close

NON-RECOURSE LENDING

  • Invest through a Self-Directed IRA or Solo 401K

  • Net Proceeds from Investing are Tax-Deferred

  • No Personal Guarantee

Have you been previously denied by a lender? Get a second chance with EquityMax

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Did You Know?

During the Great Recession of 2008-2012, EquityMax was actively lending to investors around the country, while also taking back REOs from various defaulting borrowers. One such property we took back was a cemetery located outside of Pittsburgh in Monaca, PA. EquityMax successfully maintained and operated the grounds for over 10 years before the seller financed it to a local buyer.

Frequently Asked Questions

What types of real estate property does EquityMax lend on?

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.

Once I am prequalified, how quickly can I obtain a Proof of Funds letter?

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.

Can EquityMax finance multiple properties simultaneously for borrowers?

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

Do I need to hold properties in a business entity?

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.

Does EquityMax prefer any particular market in Pennsylvania over others?

EquityMax lends on real estate throughout the state of Pennsylvania. Depending on the experience level of the investor we’re working with, we may suggest a particular market or property type to invest in.

Can I meet EquityMax in person?

EquityMax is a hands-on operation that loves meeting with clients. We had been attending regular investment club meetings in Philadelphia. When they re-start you can expect us to continue attending!

How does EquityMax see the Pittsburgh market evolving?

While investing in Pittsburgh “proper” will always provide more opportunities, we can even suggest expanding your footprint to less populous cities like Mount Lebanon.  Places such as the smaller cities surrounding Pittsburgh ultimately provide slightly less inventory, but far less competition for properties.

Can I live in the duplex I am also renting out?

EquityMax only lends on non-owner occupied, non-primary residence homes.  Hence, you would need to live in a separate domicile other than the duplex you would be investing in.

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