Loan Products
Flexible Financing Solutions for Every Investor Strategy
From fix and flips to long-term holds, our investment loan programs are designed to support real estate investors at every stage of their project. Equity Backers offers versatile options tailored to your goals, property type, and timeline—so you can build your portfolio with confidence.
Fix & Flip
Fix and Flip Financing That’s Fast, Flexible, and Built Around You
In the fast-paced world of fix-and-flip investing, timing is everything. That’s why our Fix and Flip loan programs are built for speed, scalability, and simplicity—giving you the capital you need to close quickly, minimize out-of-pocket expenses, and grow your real estate business with confidence.
| Term | 9 – 12 Months + Extension |
| Loan Amount | $100k to $5M |
| LTC | Up to 92.5% |
| Cost Breakdown | Up to 90% of Purchase & 100% of Rehab |
| Property Types | Non-Owner Occupied Single Family Residential Condo 1–4 Units Townhome 1–4 Units ADU Conversions Okay |
Ground Up
Ground-Up Construction Financing Made Simple
Our new construction loans are built for residential real estate investors and developers. With flexible terms, streamlined approvals, and funding that covers everything from land purchase to final build, we help you move projects forward with confidence.
| Term | 9 – 12 Months + Extension |
| Loan Amount | $100k to $5M |
| LTC | Up to 85% |
| Cost Breakdown | Up to 60% of Purchase & 100% of Build |
| Property Types | Non-Owner Occupied Single Family Residential Condo 1–4 Units Townhome 1–4 Units ADU Conversions Okay |
DSCR Rental
Rental Property Loans Based on Cash Flow, Not Income
DSCR (Debt Service Coverage Ratio) loans offer a simplified path to financing. Whether you’re acquiring, refinancing, or pulling equity from rental properties, our DSCR programs focus on property performance—making it easier to qualify and expand your portfolio.
| Term | 3 – 30 Years Term |
| Loan Amount | $75k to $5M |
| LTV | Up to 85% on Purchase and Refinance |
| Cost Breakdown | Up to 75% on Cashouts |
| Property Types | Non-Owner Occupied Single Family Residential Condo 1–4 Units Townhome 1–4 Units ADU Conversions Okay |
Bridge Loan
Fast Capital to Bridge the Gap
Our bridge loans provide fast, short-term financing to help you acquire or refinance investment properties while you prepare for permanent financing or resale. With flexible terms and quick closings, we help you move quickly in competitive markets.
| Term | 9 – 12 Months + Extension |
| Loan Amount | $100k to 5M |
| LTC | Up to 92.5% |
| Cost Breakdown | Up to 90% of Purchase & 100% of Rehab |
| Property Types | Non-Owner Occupied Single Family Residential Condo 1–4 Units Townhome 1–4 Units ADU Conversions Okay |
Rental Portfolio
Portfolio Loans Built to Support Long-Term Growth
Simplify your financing with one loan across multiple properties. Our rental portfolio loans offer long-term, scalable solutions for investors holding 5+ single-family, multifamily, or mixed-use rentals—ideal for refinancing or growing your portfolio efficiently.
| Term | 3 – 30 Years Term |
| Loan Amount | $300k to 5M |
| LTV | Up to 85% on Purchase and Refinance |
| Cost Breakdown | Up to 70% on Cashouts |
| Property Types | Non-Owner Occupied Single Family Residential Condo 1–4 Units Townhome 1–4 Units ADU Conversions Okay |
Talk to Us
Let’s Support Your Next Step
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