Direct Real Estate Lending Platform
Bridge | Short & Long Term Rental | Rental Portfolio | Fix & Flip | Renovation Value Add | Construction | Non-Qm Loans
Loan Programs
Equity Cap Lending is a Direct Nationwide Private Money Lender that Funds investor residential and Commercial Loan requests across the nation from brokers, sales agents and direct from borrower requests. We have a full suite of Loans that are for active real estate investors. From Short to Interim rental loans, to Long Term 30 Year DSCR Rental Loans for up to Ten Properties, along with our Bridge loans, extended bridge loans, to Fix & Flip Loans, to Renovation Value Add Loans to mixed use with a majority of the square footage being residential to industrial and warehouse & let’s not forget Multi Family Units that are from 5 to 100+ Units. Loan Submitters are protected. Feel Free To Scroll Down & Learn More about our Loan Programs.
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Private Money Investor Residential Loans
Investor Residential Bridge Loans
Equity Cap Lending provides active real estate investors and real estate entrepreneurs short term private funds that are secured in first position. The Bridge Loan is secured against investment residential real estate for up to one year for such opportunities Acquisitions, Rate & Term Refinance and Cash Out Refinance for business purposes only.
Extended Bridge Loans
Equity Cap Lending provides active real estate investors and real estate entrepreneurs short and mid-term private funds that are secured in first position. The Extended Bridge Loan is secured against investment residential real estate from 13 - 24 Months for such opportunities Acquisitions, Rate & Term Refinance and Cash Out Refinance for business purposes only.
Blanket Bridge Loans
Equity Cap Lending is a Direct Nationwide Private Money Lender that is well capitalized with an Un-levered balance sheet that specializes in funding Business Purpose Non Owner Occupied Residential Real Estate for active investors that are looking to wrap all of their residential real estate portfolio into one loan.
Fix & Flip Loans
Equity Cap Lending is a Direct Nationwide Private Money Lender that specializes in funding Business Purpose Non Owner Occupied Residential Real Estate for active Fix & Flippers whom need Fast Private Capital along with up to 100% Of the Rehab Funds included in their loan. If your current lender is dragging their feet, Then gives us a call now!
Renovation Value Add Loans
Equity Cap Lending is a Direct Nationwide Private Money Lender that provides it's private funds to allocate towards Business Purpose Non Owner Occupied Residential Real Estate for Value Add Major Renovation, as provide up to 100% Of the Renovation Funds included in each of the loans we fund.
Ground Up Construction Loans
Equity Cap Lending is a Direct Nationwide Private Money Lender that funds Business Purpose Non Owner Occupied Residential Spec Construction Real Estate loans for professional real estate investors, developers and builders that have a demonstrated track record. We can fund one off, multiple projects along with developments across the nation.
Investor Residential Non-QM Loans
30 Year DSCR Rental Loan (1 Asset)
Equity Cap Lending provides active real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year DSCR Loan product is based of Cash Flow of the subject property, Leverage of the Loan to Value, real estate experience and Credit.
30 Year DSCR Loans (Up To 10 Assets)
Equity Cap Lending provides active real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year DSCR Portfolio Loan product is based of Cash Flow of the subject properties, Leverage of the Loan to Value, real estate experience and Credit. That is correct you can put up to 10 investor residential properties.
30 Year No DSCR Loans (1 Asset)
Equity Cap Lending provides active real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year No DSCR Loan product is based off of Market Rent Cash Flows of the subject property, Leverage of the Loan to Value, real estate experience and Credit. We also call this loan a Long Term No Ratio Investor Rental Loan.
30 Year Rental Portfolio Loans (11+ Assets)
Equity Cap Lending provides active real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year DSCR Portfolio Loan product is based of Cash Flow of the subject properties, Leverage of the Loan to Value, real estate experience and Credit. That is correct you can put up an unlimited amount of investor residential real estate properties.
Foreign National Non -QM Loans
Equity Cap Lending provides active Foreign National real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year DSCR Loan product is based of Cash Flow of the subject property, Leverage of the Loan to Value, real estate experience. We also have a No DSCR/No Ratio Loan Product.
Private Money Commercial Loans
Multi-Family Bridge Loans
Equity Cap Lending provides professional Multi-Family Apartment Building owners and real estate entrepreneurs short term private money bridge loans that are secured in first position. The Bridge Loan is secured against the Multi-Family building for up to one year for such opportunities Acquisitions, Rate & Term Refinance and Cash Out Refinance for business purposes only.
Multi-Family Renovation Loans
Equity Cap Lending provides professional Multi-Family Apartment Building owners and real estate entrepreneurs private money renovation loans that are secured in first position. The Renovation Value Add Loan is secured against the Multi-Family building for Acquisitions and Cash Out Refinance for opportunities that have Heavy Renovations to add additional square footage or adding additional Floors.
Multi-Family Construction Loans
Equity Cap Lending provides professional Multi-Family Apartment Builders and real estate entrepreneurs private money Ground Up Construction Multi-Family loans that are secured in first position. The Ground Up Construction Multi-Family Loans are for Acquisitions and Cash Out Refinance for opportunities that have are to build 5+ Units along with Building out multiple Multi-Family Apartments at once.
Multi-Family Perm Loans
Equity Cap Lending provides commercial real estate investors and professional landlords Long Term Financing up to 30 Years that is not qualified by Tax Returns, the Multi-Family Loan product is based of Cash Flow of the subject properties, Leverage of the Loan to Value, real estate experience and Credit.
Mixed Use Bridge Loan (51% Residential)
Equity Cap Lending provides active real estate investors and real estate entrepreneurs short term private funds that are secured in first position. The Bridge Loan is secured against investment residential real estate for up to one year for such opportunities Acquisitions, Rate & Term Refinance and Cash Out Refinance for business purposes only.
Mixed Use (51% Residential) Renovation Value Add Loans
Equity Cap Lending provides professional Commercial property owners and real estate entrepreneurs private money renovation loans that are secured in first position against their Mixed-Use Building that currently does have residential units. The Renovation Value Add Loan is secured against the Mixed-Use for Acquisitions and Cash Out Refinance for opportunities that have Heavy Renovations to add additional square footage or adding additional Floors for the residential component.
Mixed Use Construction Loans (51% Residential)
Equity Cap Lending provides professional Builders and commercial real estate entrepreneurs private money Ground Up Construction Mixed-Use with majority residential that is secured in first position. The Ground Up Construction Mixed-Use with majority of residential mixed-use with a 51% residential Loans are for Acquisitions and Cash Out Refinance for opportunities that have are to build mixed-use real estate that will have a majority of residential Building out multiple Mixed-Use property with a majority of residential units.
Mixed Use (51% Residential) Perm Loans
Equity Cap Lending provides commercial real estate investors and professional landlords Long Term Financing up to 30 Years that is not qualified by Tax Returns, the Mixed Use (With Majority of a Residential Component). The Loan product is based of Cash Flow of the subject property, the Loan to Value, real estate experience.
Commercial Real Estate Loans
Our Commercial real estate loan program is great for commercial real estate investors who are looking to grow their commercial real estate portfolio by Acquiring another commercial property or do a cash out refinance on their current commercial property so they can use that as a down payment. The loans are Over $1,000,000.00
Small Balance Commercial Real Estate Loans
Our small balance commercial real estate loan program is great for commercial real estate investors who are looking to grow their portfolio's by Acquiring another commercial property or do a cash out refinance on their current commercial property so they can use that as a down payment as these loans are under $1,000,000.