Not Your Typical Lender...
We are flexible in areas where other lenders aren’t. At Pacific Equity & Loan, we understand that each investor is unique and we work hard to structure a loan to fit your needs. Want to see what we can do for you?
About Us
Here to help you succeed
Pacific Equity and Loan focuses on empowering clients through offering flexible terms, fees, and competitive rates to creatively structure loans to fit clients’ needs. Dedicated to creating a fast process for all clients and with low origination costs, Pacific Equity and Loan is the optimal lender for your next real estate investment.

Fix & Flip
as low as-
Non-owner Occupied Only
-
Purchase, Refinance, Cash Out, Rehab
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75% LTARV, 85% LTC
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$75K-$3 Million
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Interest Only Payments
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Min. FICO: 600
New Construction
as low as-
Non-owner Occupied Only, SFR
-
Purchase, Refinance
-
75% LTARV, 85% LTC
-
$75K-$3 Million
-
Interest Only Payments
-
Min. FICO: 600
5% down
for-
Terms: 6-24 months
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Interest Accrual Method: Dutch
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$75k min. loan amount (purchase + repairs), max. loan amount $600K
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Up to 95% LTC and 70% LTARV
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No min. FICO - Based off of track record/ experience
Quick Closings 5-12 days
Min. Credit Score 600
Rates Starting at 6.5%
Origination Fee as low as 2 pts
Blog
Take a Break and Read All About It

Pros and Cons of Residential and Commercial Real Estate
Real estate investing can be difficult to understand for individuals who are unfamiliar with it. They could be comprehending what type of property they should

Types of Insurances For House Flippers
Fix and flips have always been inherently risky. And no matter how secure an investment appears to be, there’s still the potential for things to

How The BRRRR Method of Real Estate Investing Works
The BRRRR strategy of real estate investing has shown to be a great approach to generate cash flow and wealth accumulation through rental income. It’s