Equity Lending Inc
Gaithersburg, MD
Direct Lender for DMV Real Estate Investors
SPEED: We will give you an answer within 24 hours, and will perform a property inspection immediately. We can close within a week and have closed in as little as 2 days when the situation demanded high velocity.
EXPERIENCE: We have almost 75 years of Private Lending experience among the owners at Equity Lending, Inc. We have deep experience and knowledge of the DMV market as both Lenders and Development oriented principals.
FLEXIBILITY: We have seen every scenario. We can fund as little as $100K or as much as $5M.
LOW DEFAULT RATE: We have less than a 1% default rate. We don’t fund if there is any significant chance of a default.
GUIDANCE: Let our experience help you make your deal a success. We will guide you through your transaction. As you move through the construction process, our experienced principals will provide advice. Most lenders only advise you through closing – we will guide you until payoff.
RED TAPE: We’ve seen most real estate scenarios many times. When necessary, we can recommend specialists who can help you get your deal closed. We will help you navigate some of the obstructions that can kill a profitable transaction.
BROKERS PROTECTED: We protect our brokers and appreciate their service.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Agricultural
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Bed and Breakfast
- Cannabis Dispensary
- Cannabis Grow Facility
- Car Wash
- Casino
- Child Day Care
- Church
- Cinema
- Club
- Commercial Condominium
- Commercial Land
- Condominium
- Covered Land
- Equestrian
- Gym
- Healthcare
- Hostel
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Mobile Home
- Mobile Home Park
- Motel
- Multifamily
- Night Club
- Office
- Parking Garage
- Parking Lot
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Ranch
- Recreational
- Rehabilitation Facility
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
- Theater
- Timberland
- Vehicle Parking
- Winery
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Commercial Bridge
- Commercial Property Value Add
- Commercial Ground-Up Construction
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Agricultural Land
- Special Purpose Land
Will Consider Land That is NOT Entitled
noExisting Land Improvements Required
- Street Access
- Electricity
- Water
- Commercial Structure
Max LTV for Land
65%Max LTC for Land Acquisition
65%Max Loan-to-Purchase Price
65%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Equity in Another Investment Property
- Equity in Primary Residence
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
5Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
75%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
noDeposit Required
Your deposit secures your loan and gets the ball rolling on the transaction. Deposit is sent to a trusted group of Lawyers we use for every closing who are incredibly skilled and diligent in processing your deal. Deposit is returned if loan does not close.
Fees which are mandatory for all new borrower clients
- Deposit
- Underwriting Fee
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Equity Lending Inc is one of the longest standing Hard Money Lenders in the DC area. We have crafted hundreds of loans in D.C, MD, VA, DE, NY, NC, and many other states, although 90% of our deals are in the DMV area.
Coming from many years of experience in D.C Real Estate Developerment, Equity Lending Inc has a deep understanding of the market, development, and construction. We are also able to share our contacts in and around the DC area. What sets us apart from other Lenders is that we will guide you through the loan process, and continue to offer assistance through construction, condo conversion, leasing, and sales. We share a common goal: the success of your project.
We are a small business with only a few employees so you will always speak directly to us. We are easy to reach, and have one employee who handles property inspections which allows for quick closing.
Having been central to hundreds of DMV real estate deals over the last 30+ years, we have the knowledge to craft a deal that will benefit all. We are not afraid of unique situations or unconventional deals including land and subdivisions.
Office Locations
PO Box 4208, Gaithersburg, MD 20885Contact Equity Lending Inc
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