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.
UNIQUE LOANS OFFERED (PURCHASE AND/OR REFI):
- Rural Loans
- Small Loans as little as $15,000
- Manufactured / Modular Home Loans
- Acreage Loans (Structures on large parcels of land)
- Cannabis Related Real Estate
- Self Storage Facilities
- Land Loans
- Other Niche Real Estate Loans…just ask!
MORE LENDING PARAMETERS:
- 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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Residential Construction
Multifamily Construction
Commercial Construction
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
noMax LTV for Land
30%Max LTC for Land Acquisition
30%Max Loan-to-Purchase Price
80%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
- 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
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Stay Informed About Private Lending

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.
LICENSED FLORIDA HARD MONEY LENDERS
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.
EASY TO QUALIFY & NO RED TAPE
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.
IN-HOUSE FUNDING
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.
LOW LOAN AMOUNTS
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.
17-YEAR TERM / NO PRE-PAYMENT PENALTY
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.
MINIMUM INSURANCE REQUIREMENTS: NO WINDSTORM, NO FLOOD
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 FOR FLORIDA PROPERTY WHOLESALERS
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.
Associations
- 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 Branch6216 N. Federal Highway, Fort Lauderdale, Florida 33308
Our Team
Gregory Emmer
Principal Loan Originator
NMLS - 364099
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Stay Informed About Private Lending

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