For eligible investor 1–4 unit properties:
- No Stated Minimum Credit Score.
- Alternative Qualification Beyond Traditional DSCR Requirements.
- Vacant, rent-ready properties may qualify.
Investor 1–4 program only. Credit review, underwriting, valuation, leverage, documentation and property eligibility apply. Not available for owner-occupied primary residences. Approval is not guaranteed.
Looking for Higher Leverage?
EquityFlex is one of several financing solutions available through eFunder Capital. Depending on your credit, property income, equity and transaction, other programs may offer different leverage and qualification options. Request a Financing Review to explore the appropriate structure.
The specified EquityFlex 50% first-mortgage LTV ceiling does not apply to all eFunder Capital programs.
Explore the property fit
Investor 1–4 Unit Properties
Eligible properties may include single-family rentals, investment condominiums, duplexes, triplexes and fourplexes.
Purchase, refinance or cash out with streamlined income documentation.
Important qualificationAlternative qualification and vacant, rent-ready eligibility are specific to the applicable investor 1–4 program. Property condition, income and underwriting remain subject to review; credit is reviewed and first-time buyers are ineligible.
Multifamily and Mixed-Use Properties
Eligible five-or-more-unit multifamily and mixed-use real estate.
Explore high-equity purchase, refinance or cash-out financing.
Important qualificationCredit, property income, occupancy, condition and stabilization are reviewed separately. Investor 1–4 DSCR and vacancy features do not automatically apply.
Operating Commercial Investment Properties
Eligible operating office, retail, warehouse, self-storage and automotive properties.
Explore high-equity purchase, refinance or cash-out financing.
Important qualificationOperating-property and program-specific credit, income, occupancy, condition and stabilization requirements apply. Vacant, nonoperating speculative properties are not represented as eligible.
How the High-Equity Structure Works
EquityFlex may offer financing options for eligible high-equity investment properties that fall outside traditional DSCR qualification requirements. Property income, eligibility and underwriting remain subject to review. The specified first mortgage is capped at 50% LTV; other eFunder Capital programs may offer different structures or higher leverage. Each program has separate credit, leverage, property-income, eligibility and underwriting requirements.
Illustrative example: $400,000 property value × 50% = $200,000 first mortgage. Less a $120,000 existing mortgage payoff leaves $80,000 illustrative gross cash-out before transaction costs and adjustments. Subject to valuation, underwriting and eligibility; not an approval or financing quote.
Understand the First-Mortgage Limit
Looking for higher leverage? ↑The 50% first-mortgage ceiling applies to the specified high-equity program’s eligible investor 1–4, multifamily, mixed-use and commercial categories—not every eFunder Capital loan.
Cash-out proceeds depend on the permitted loan, existing debt payoff, closing costs and underwriting; they are not the same as the first-mortgage amount.
The applicable multifamily, mixed-use and commercial high-equity programs have a $100,000 minimum loan amount. Reserves, seasoning, documentation, property condition and other terms remain program- and transaction-specific.
Find the Appropriate Financing Path
Need help comparing programs? Request a Financing Review. Have an identified property and financing request? Submit Your Deal. Prefer a conversation? Use the existing consultation or phone option.
Or call 412-307-9211
Important Qualification
Financing is for business or investment purposes only. These programs are not available for owner-occupied primary residences. All financing is subject to underwriting, valuation, property and borrower eligibility, available leverage, required documentation, current program availability and final credit approval. Credit, property income, liquidity, reserves, ownership seasoning and property condition are reviewed as required by the applicable program. Rates, terms and requirements vary by transaction and capital source. Nothing on this page is an approval, commitment or guarantee of financing. Poor credit does not automatically qualify an applicant. Financing may be arranged through applicable lending and brokerage channels. The creditor, eFunder Capital’s role and transaction-specific terms are identified in applicable financing disclosures.