No, this is not required. In fact, we recommend that you get started as soon as possible before you find a property or project that needs fast funding. It only takes a few minutes to sign up, it’s free to get started, and we require no commitment until you’re satisfied with your loan terms. You can even go the extra mile and prepare most of your paperwork on the Equidy online platform, so you save time later. You never know when you’ll find that next great deal or when a time-sensitive construction project will come along. With Equidy, you can skip the line and jump straight to the approval process for your project.

Starting your application online is free, fast, and easy: there’s no commitment required, and it should only take a few minutes of your time. You can pre-qualify even if you haven’t found your next real estate project yet. Once you’ve told us about your desired property or construction project, our team will work hard to find a loan that suits your needs. This remains free of charge and with no strings attached until you are 100% satisfied with the terms of the loan we offered you and you are ready to sign a loan commitment letter.

We support property entrepreneurs in California. We have been helping fund property projects in the San Francisco Bay Area since 1975, so we have specialized experience and knowledge in this region, but also cover a wide range of other metropolitan and suburban communities in California too. We are not able to fund projects in other states.

We serve experienced property entrepreneurs, as well as complete beginners. While we do take experience level into account when assessing loan applications, we’ve also seen that many beginners have a work ethic, an innovative mind and an entrepreneurial background that makes up for any lack of property experience. We believe in turning dreamers into doers, so we want to support you to build your property empire. At Equidy, it’s not just about finance … we’re also a family of property developers and investors just like you, and have been doing this for over 40 years. We’re here to help you every step of the way. Start by downloading our free ebook, The Flipper’s Guide To Funding Your Property Empire.

Yes, using our loans for refinancing is very common. For Fix-and-Flip Loans and Rental Loans, we offer refinancing loans up to 65% of the Loan-to-Value (LTV). We can also find a customized loan for you if you are doing buy-and-hold, or if you are using the BRRR (Buy-Rehab-Refinance-Rent-Repeat) strategy that combines the capital building aspect of house flipping with the passive income of a rental property. For example, we can offer you a loan that’s optimized for your Fix-and-Flip project and help you refi with a loan optimized for a long-term rental property after the rehab process is completed. We designed our loan process for serial-borrowers, so you can choose from a wide array of loan products without having to go through the full process of application and documentation again. Contact us to discuss anything.

For our Rental Loans [link], we offer portfolio assets loans for five properties or more. If you need a Fix-and-Flip Loan, it may also be possible to cross-collateralize your property and leverage your equity to qualify for more funds. Our Equidy experts will look into this option during the application process and determine which out-of-the-box solution best suits your needs.

Most flippers want to sell their improved property as soon as the rehab process is completed, just like most developers want to sell their newly-built property to the highest bidder. However, we never want to put you in a box. If you change your mind and decide to hold or rent out the property you built or improved, our Equidy team will work with you when you’re ready to refinance. You can refi into another short or long-term loan, including a portfolio loan. We can arrange take-out options in certain situations too. We also support the real estate entrepreneurs who use the BRRR (Buy-Rehab-Refinance-Rent-Repeat) strategy that combines the capital-building aspect of house flipping with the passive income of a rental property. Get started with a Fix-and-Flip loan for quick and easy funding when you need it, and we will help you refi with a Rental Loan after the rehab process is completed. We optimized our loan process for serial-borrowers, so you can choose from a wide array of loan products without having to go through the full process of application and documentation again. 

Equidy has long-term relationships with many trusted investors who support the ambitions of California property entrepreneurs, while making great returns in the process. Interested in investing? Contact us.

When borrower payments are received, funds will be held for five days and then released to lenders as a credit to their Equidy account. Lenders can request withdrawals of their available funds online by ACH.

We’re here to help! You can email us hello@equidy.com or call us at (800) 985-9256. You’re also welcome to visit our office in Danville, CA.