Direct Private Lender for Investment Properties

EquityMax has been specializing in non-qualifying, hard money real estate financing for over 30 years. All of our loan are financed with our own personal funds, so we can commit and close fast for a property acquisition, refinance or equity cash out in 1st lien position only.  Please note the UNIQUE / NICHE LOANS we offer below.


  1. Rural Loans
  2. Small Loans as little as $15,000
  3. Manufactured / Modular Home Loans
  4. Acreage Loans (Structures on large parcels of land)
  5. Cannabis Related Real Estate
  6. Self Storage Facilities
  7. Land Loans
  8. Other Niche Real Estate Loans…just ask!


  • In-House Funding, Can Close in 48 Hours
  • No Minimum FICO Score Requirement
  • No Application Fee / No Surveys / No Appraisals
  • No Tax Returns or Bank Statements
  • No Balloon Payment
  • No Prepayment Penalty
  • No Windstorm or Flood Coverage Requirement – Only Fire & Vandalism Insurance
  • No Experience Needed / New Investors Welcome
  • Licensed and Verified Lender (NMLS 1523517)

Please note: We do NOT offer loans for ground-up construction or owner-occupied homes. We lend on rehab projects, but we do not provide any rehab funds.

Property Geographic Area Details
We lend throughout the entire United States, with the exception of the following states: AZ, NV, SD, UT, VT.
Loan Amounts
$15,000 to $1,000,000
Interest Rates
10% to 15%
Loan Terms
1 months to 204 months
Origination Fees
1% to 3%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Business Working Capital
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 80%
Max LTP Multifamily: 80%
Max LTP Commercial: 80%
Max LTP Land: 30%
Purchase Long-Term
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Max LTP Commercial: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 80%
Max LTV 1st Lien Multifamily: 80%
Max LTV 1st Lien Commercial: 75%
Max LTV 1st Lien Land: 30%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 75%
Max LTV 1st Lien Commercial: 75%
Max LTV 1st Lien Land: 30%
Refinance Long-Term
Max LTV Residential: 75%
Max LTV Multifamily: 75%
Max LTP Commercial: 75%
Residential Fix & Flip
Max LTP: 80%
Max LTC: 80%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 80%
Max LTC: 80%
Max LTARV: 80%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 80%
Max LTARV: 75%
Commercial Value-Add
Max LTP: 75%
Max LTC: 75%
Max LTARV: 75%
Residential Construction
Max LTP Land: 70%
Max LTC: 70%
Max LTCV: 75%
Multifamily Construction
Max LTP Land: 70%
Max LTC: 70%
Max LTCV: 75%
Commercial Construction
Max LTP Land: 70%
Max LTC: 70%
Max LTCV: 75%

Property Types

  • 2-4 Units Residential
  • Adult Day Care
  • Assisted Living Facility
  • Cannabis Dispensary
  • Cannabis Grow Facility
  • Child Day Care
  • Church
  • Commercial Condominium
  • Community Center
  • Condominium
  • Event Center
  • Gym
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home
  • Multifamily
  • Office
  • Place of Worship
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Religious Facility
  • Residential Land
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge

Specialty Loan Types

  • Bankruptcy Resolution
  • Cannabis Use Properties
  • Discounted Note Payoff
  • Foreclosure Bailout
  • Residential Long-Term Rental
  • Residential Short-Term Rental
  • Transactional Funding

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Agricultural Land
  • Special Purpose Land
  • Cannabis Use Land
  • Covered Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition

Our max LTV is 70%, but we will provide up to 80-90% of the purchase price for properties that are purchased under market value.

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Gap Lender
  • Crowdfunding
  • Family

Legal Fee

Attorney Fee of $575-995, depending on the state where the subject property is located.

Inspection Fee

BPO Fee Charge of $250. No Appraisal!

Fees which are paid to a third party company

  • Inspection Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Amortized
Payment Structure Details

Interest-Only; Monthly Payments

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Credit Check Description

We do not have a minimum credit score requirement.

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Additional Details

We do not charge any upfront fees prior to closing, other than a $250 BPO/Inspection Fee after the borrower has agreed to the loan terms.

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EquityMax Financial, LLC is a Licensed Mortgage Lender and Real Estate Brokerage in Florida. We offer financing throughout the country, and for the past 28 years, have specialized in hard-money loans for real estate investors.  Loans from $15,000 – $1mm.  High LTVs and Low Rates are our specialty!  Our many competitive advantage: we only lend OUR OWN MONEY. No capital from investors, no bank facilities…we use strictly our own funds to finance your investment properties. Close within 2 days of clear title.

EquityMax lends real estate investors approximately 75% – 90% of their purchase price, and sometimes even more! Our mortgages are generally non-qualifying. That is, we don’t investigate your income, nor do we care if the property is in disrepair. One way or another, we’ll make a mortgage loan to you. Borrowers with good credit scores receive the highest LTV’s. At EquityMax, there is no “pre-set” credit limit per client or transaction. Each deal and borrower is evaluated individually. To date, our lowest hard money loan amount has been $4,000, and our highest has been $2,000,000. Our rates, points and fees are market-driven, and competitive with other hard equity lenders serving the same market. Within 3 days of your verbal loan request we will furnish you a Good Faith Estimate of all costs, fees, and the agreed-upon interest rate for your mortgage. EquityMax will lend on ANY property, statewide, no matter where you bought it. If the deal makes sense, we’ll do it! EquityMax can close loans within 48 hours if need be. We have two full time law firms/title companies representing us. They can either close the transaction themselves, or email the mortgage package to the closing agent of your choice.

EquityMax is a licensed Mortgage Lender and Servicer in Florida. While many companies that offer hard money loans tout themselves as “lenders,” ask them.… Are you licensed? The majority of these companies are not licensed. With local, state, and federal governments cracking down on unlicensed activity, it’s important to align yourself with a reputable licensed lender who conducts business in accordance with statutory guidelines and not a company that could be subjected to discipline for originating loans without a license.

As they say…Less is More…and EquityMax always aims to enhance our borrowers’ ability to purchase or refinance real estate investment property.  That’s why we truly do our best to minimize qualifying requirements and maximize opportunities.  We do not require a minimum Credit/FICO score, nor do we ask to see any other docs to qualify…NO TAX RETURNS, NO BANK STATEMENTS, NO EMPLOYMENT VERIFICATION.  Simply put, we make qualifying for an EquityMax loan simple, fast and easy.

It is very important to know where the money for your hard money loan is coming from.  Is the lender self-financed, or are they capitalized from outside investors?  A lender whose funds come from outside investors tend to have stricter underwriting guidelines to meet the requirements of their financiers.  That, and they tend to pass their carrying costs on to their borrowers, leading to higher interest rates and more points at closing.  Here at EquityMax, all our financing is in-house.  We do not rely on banks, outside equity investors, or other ancillary credit facilities to finance our loans.  With that comes quick response times, lower costs, and above all, peace of mind knowing that when you receive a pre-qualification from EquityMax, you know exactly where the money is coming from, and that it will always be there on closing day.

No loan amount is too low for us.  In fact, EquityMax hard money loans start as low as $15,000, and we can extend credit facilities in excess of $1,000,000.  After all, who are we to argue against a profitable deal or portfolio?  All our fees are quoted individually and fairly, and are only dependent on the loan amount – there is never a minimum requirement with an EquityMax hard money loan.

We realize that every investor’s agenda is different.  For most of our clients, it’s a Fix-and-Flip, or is it a Buy-and-Hold.  Either way, EquityMax’s hard money loan framework is suited for you, the investor.  Our hard money loan term is a full 17 years with ZERO PREPAYMENT PENALTY if borrowers make their payments on time.  Why deal with a 1 or 2-year balloon if you don’t have to.  For investors who prefer to rent their properties for immediate cash flow, our long-term loan affords you the comfort knowing that there isn’t a short-term balloon hanging over you, so you can effectively and successfully manage your investments.

Many other lenders steadfastly require the purchase of Windstorm and/or Flood coverage for your investment property… Not EquityMax.  It has been our long-standing opinion that these coverages are profit-killers that only help the borrower in the relatively unlikely scenario of a catastrophic natural disaster.  That is why we only ask our borrowers to maintain minimum insurance coverage for loss due to Fire and Theft.  These cost savings ultimately increase your bottom line and aid in the overall financial health of your real estate operation.

Transactional Funding options are a dime a dozen, however there’s one competitive advantage that separates EquityMax from the rest.  Sure, we offer fast, reliable, and competitive fees for your “A to B” flip just like other companies will.  However, we can also fund the end-user who the wholesaler is flipping to, AKA the “B to C” transaction.  Most other transactional funders do not have the capital to fund a long-term loan that your end user will desire.  EquityMax does. Double closings are inherently meticulous, hence keeping all of the financing in the hands of a single party ensures both transactions will be a seamless and carefree process.  The end result: everyone leaves the closing table happy.


NMLS 1523517

Company Size (Number of Employees)


Year Established



  • Florida Association of Mortgage Professionals (FAMP) - Member
  • Broward Real Estate Investor Association - Corporate Member
  • Dade Real Estate Investor Association - Corporate Member
  • Central Florida Realty Investors - Corporate Member
  • JaxREIA - Corporate Member
  • Palm Beach Real Estate Investors Association - Corporate Member
  • TampaREIA - Corporate Member
  • Tampa Bay REIA - Corporate Member
  • Tropical REIA - Corporate Member

Office Locations

EquityMax Main Branch
6216 N. Federal Highway, Fort Lauderdale, Florida 33308

Primary Capital Source
  • Own Funds
Alternative Capital Sources
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Gregory Emmer

Principal Loan Originator

NMLS - 364099

Get In Touch

EquityMax Financial, LLC pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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