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Pacific Equity & Loan
Loan Programs

Financing Built for Real Estate Investors

Compare our financing programs and find the right structure for your next investment project.

NEW PROGRAM

Up to 100% Financing

For qualifying institutional fix-and-flip borrowers

Designed for experienced investors completing light and moderate rehabilitation projects.

MAXIMUM LEVERAGE Up to 75% of ARV
Financing Up to 100%
Loan Amount $75K–$800K
Loan Term 12 months
Minimum Credit Score 720
See Full Requirements
Eligible Projects
  • Light rehabilitation projects
  • Moderate rehabilitation projects
Eligible Properties
  • Non-owner occupied 1–4 unit residential properties
  • Condos
  • Townhomes
Borrower Experience
  • At least 10 completed fix-and-flip projects within the last 3 years
  • At least 5 completed projects in the subject property’s state within the last 3 years
APPLY NOW →
LOWEST RATE & FEES

PREMIER PROGRAM

Fix & Flip + New Construction

Rates as low as 9%
Origination as low as 0.5 pts
Fix & Flip up to 92.5% LTC
New Construction up to 90% LTC
Up to 70% LTARV
Minimum FICO 680
Fix & Flip $100K–$1.5M
New Construction $250K–$1.5M
Loan Terms 6–18 Months
See Complete Program Details
Fix & Flip
  • Up to 93% of purchase
  • Up to 100% of rehabilitation costs
  • Up to 70% LTARV
  • $100,000 to $1.5 million
  • 6–12 month terms
New Construction
  • Up to 90% LTC
  • Up to 100% of construction costs
  • Up to 70% LTARV
  • $250,000 to $1.5 million
  • 8–18 month terms
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5% DOWN PROGRAM

FOR EXPERIENCED INVESTORS

Fix & Flip, Ground-Up Construction and ADUs

AS LITTLE AS 5% DOWN
Interest rates as low as 12%
Origination as low as 2 pts
Loan terms of 12–24 months
Minimum FICO as low as 660
Up to 75% LTARV
Ground-Up Construction up to 70% LTARV
Fix & Flip $100K–$3M
Ground-Up Construction $150K–$2.5M
Down Payment As Little as 5%
See Eligible Projects
Eligible Projects
  • Fix & Flip
  • Ground-Up Construction
  • Accessory Dwelling Units (ADUs)
Important
  • Ground-Up Construction is limited to 70% LTARV
  • This program is not available for bridge loans
APPLY NOW →
Program terms may vary and cannot necessarily be combined. Rates, terms and availability are subject to change without notice. Not all borrowers or properties will qualify. All loans are subject to underwriting and approval. This is not a commitment to lend.

Why Choose Us

Same Day Draws

Never have to worry about not getting your funds on time. At Pacific Equity & Loan, we offer same day draw approvals

Quick Closings

Close in as few as 5-12 business days to compete with cash buyers

Exceptional Service

We are there for you every step of the process and have staff available to answer your inquiries within 12 hours

High Leverage

No need to worry about a significant down payment.

We Fund Wholesale Deals

We can cover up to 10% of the purchase price or $40,000 of the assignment fee for your next wholesale deal.

Talk With Our Loan Experts

Your Long-Term Success is Our Top Priority

We work with both first-time investors and seasoned investors alike. Though no matter your situation, we’ll work together to support your investment goals.

As your fix and flip business grows with the support of Pacific Equity & Loan, your rates and benefits will improve as well. Experienced investors showing lots of projects on a track record are given a number of benefits including lower rates, customized points, and even quicker closings.

Pacific Equity & Loan is dedicated to the success of our borrowers and we are here to help you achieve your long-term real estate investing goals.  

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Get Terms in 24 Hours

IMPORTANT: We only fund residential investment loans, including fix & flips, new construction, and ADU projects.

We do not offer personal loans or owner-occupied financing.

NEW PROGRAM

PUT JUST 5% DOWN

For Experienced Real Estate Investors

Get up to 95% financing for eligible fix-and-flip and new-construction projects.

✓ Preserve more cash for your next deal
✓ Fast, flexible private lending
✓ Financing structured around your project

Quick project review. No commitment required.

Available on qualifying projects to eligible experienced investors. Terms are subject to underwriting and approval. This is not a commitment to lend.

Submit Your Deal

Get Terms in 24 Hours

IMPORTANT: We only fund residential investment loans, including fix & flips, new construction, and ADU projects.

We do not offer personal loans or owner-occupied financing.