The small state of Rhode Island offers plenty of ventures to profit in today’s real estate market, no matter what part of town you invest in.  A number of opportunities exist for landlords who prefer rentals and flippers who prefer heavy rehab projects.  Your market could be Providence, Woonsocket, or Newport; one of the most important components to success is a trustworthy lender who you can count on for each and every deal. EquityMax is ready, willing, and able to be that partner.

Simplify Your Hard Money Lending Needs In Rhode Island

Speak With The Owners

While EquityMax works on a national scope, it is a family office that only lends its own personal funds. Therefore, every loan decision is made directly in-house, by the owners, and without the need for any middle men. Quicker answers means less hassle and an easier underwriting, closing, and funding process.

No Experience, No Problem

Whether you’ve done one deal or ten flips, we will provide insight and expertise to ensure your purchase or refinance investment is a profitable endeavor. Our trustworthy team is available, and on call, to crunch the numbers in order to maximize the potential of your real estate project.

Speed Is Key

EquityMax regularly closes transactions in as little as 24 hours. We do not require appraisals, surveys, or even a formal application.  Upon receipt of a title search, we can close in 1 day.  Whether you invest in Providence or beyond, there is no company that can close quicker.

Every Service Under One Roof

Our efficient team handles all aspects of the loan process directly without outsourcing to third-party providers.  EquityMax will originate, fund, and service your loan, all under one roof. Having a single point of contact throughout the real estate investment process will provide hands-on peace of mind should you have any questions about our financing.

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

Latest Success Story

A seasoned investor was purchasing an extremely distressed 3-unit property that was fully gutted. Because of its condition, there were few lenders out there that would finance. EquityMax offered a full rehab budget (in draws) to this borrower to complete the project and refinance within 6 months.


Location – Providence, RI

Loan Amount – $250,000

Purchase Price – $325,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – $20,000

Actual Retail Value – $750,000

Profit – $175,000

Driving Factors For Rhode Island Real Estate Market

Appreciation Continues To Rise

Real estate in Rhode Island remains a commodity but with high demand, low inventory, and increasing number of investors entering the marketplace, home values will continue to grow for the foreseeable future.

Moving Out Of The City

Providence is rather expensive compared to the surrounding suburban areas. With remote working increasingly popular among organizations, people are seeking more affordable and larger living alternatives outside of the big city.

Pawtucket Growing In Popularity

Pawtucket sits just outside of Providence on the Rhode Island and Massachusetts border. Currently home values in the city are $75,000 less than the state average which has provided homebuyers with a more cost effective living situation.

Rhode Island Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Providence, Kent, Washington, Newport, Bristol

EquityMax Insight

Rhode Island has been riding an improving real estate market ever since it experienced a recession ten years ago. However, much like the rest of the United States, The Ocean State’s real estate market may be hitting its tipping point as homes grow in value. There are still opportunities for investors to take advantage of, however, and those seeking deals should monitor the housing market closely for opportunities to capitalize on rehabs and wholesaling. Notably, current indicators in the real estate market favor landlords so rental properties are becoming increasingly popular in the state for long-term investors.

What Our Clients Say

July 8, 2022

EquityMax’s draw process is super simple and easy to follow. They handled it with ease and I received my rehab funds within 24 hours.

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

The time to drive from the two furthest points of Rhode Island can take less than 60 minutes.

Frequently Asked Questions

First time investors are our specialty.  Though, we also lend to experienced investors.  It doesn’t matter if this is your first deal or 10th deal, we’ll fund it!

There is no credit minimum for our borrower to invest in Rhode Island, no matter the deal.

We have been in operation for 30+ years, since 1990, and have been lending in Rhode Island for nearly 20 years.

Receive Immediate Pre-qualification Within 10 Minutes!