Private Money Options for Real Estate Investors
Select a loan type to receive competitive soft terms for multiple loan structures in minutes! No credit check required for soft terms.
ECS Funding
We Source Capital from an Extensive Network of Private and Hard Money Partners
With 120+ capital partners we have options for almost any occasion and can offer loan structures that best fit your needs.
Save Time
We match your scenario with our capital partners ready to fund your specific deal, saving you time by eliminating irrelevant conversations.
Scale Faster
Since we focus on asset value rather than pesonal income, you can scale faster while keeping your cash free for more deals.
Find the Right Funding
We source capital from private lending partners ready to fund your deals, whether you're flipping
houses, building a rental portfolio, wholesaling properties or investmenting in commercial real estate.
Fix & Flip
Short term financing options for purchase and rehab.
Bridge (Short Term)
Ideal solution for short-term financing without property renovations or improvements
New Construction
New Construction loans designed to provide the capital when you need it.
DSCR Loan
Long term financing options for rental properties.
Multi-Family 5+ Units
Rental Loan program designed for small and large multi-family properties
How it works
We Make it Quick and Easy to Get Multiple Financing Offers
1. Answer a Few Questions
Give us an overview of the type of funding you're looking for.
2. Shop & Compare
We will provide you with soft terms for your project with no commitment.
3. Pick the Best Fit
Compare terms with ease so you know you have the best option for your project.
How funding with ECS Funding works
A clear path from application to capital deployed.
Our process is designed to move quickly while preserving optionality. You’ll know your options and tradeoffs before you decide to move forward.
Your 4-step funding journey
1. Discovery & financial mapping (30–45 min)
We review your project criteria and past experience, to understand your capital capacity and risk profile.
2. Scenario design
Based on your deal we provide you with multiple options for terms and loan structures to curate the best options for your needs.
3. Application
Once you've approved your ideal loan structure we will provide you with a short formal loan application and begin processing - No personal income statements or tax returns required!
4. Capital deployed & ongoing support
We are relationship focused and are available for support as you proceed. Facilitating refinances for past projects and funding for new investment projects as your situation evolves.
What our clients have to say
"Potential to Build Business Together"
We compare multiple loan structures and found a great fit for our flip.
Zella H.
Austin, TX
"Took about 3 minutes"
I filled out the form, which took about 3 minutes, then within a day I received soft terms to compare. One of them had terms that worked out for me and I now have a continuing relationship with a great lender. Thanks!
Mark D.
Denver, CO
"I expected it to be harder."
Instead of having to shop lenders, i received multiple options from ECS Funding. I was very please with their communication and felt well taken care of and I was able to choose the best terms that worked for my deal. I expected it to be harder.
Andrew M.
Tulsa, OK
Why professionals choose ECS Funding
Structured capital that matches your needs.
We go beyond generic bank products and one-size-fits-all financing. Every strategy is engineered around your cashflow, risk tolerance, and growth horizon.
Institutional-grade strategy
We apply the same rigor used by institutional investors—scenario modeling, downside protection, and disciplined underwriting tailored to individuals and closely held businesses.
Multiple funding channels
We coordinate across hedge funds, family banks, private lenders, and alternative capital providers to architect a single, cohesive funding stack—so you never leave money on the table.
White-glove execution
From documentation prep to lender negotiations, our team manages the process end-to-end while you stay focused on operating and earning.
Frequently Asked Questions
What are the LTV and seasoning requirements for rate/term or cash-out scenarios?
For rate/term or cash-out loans, we have financing options up to 85% of the market value after a six-month seasoning period. You don’t have to take the full leverage if you don’t need it—this setup gives you flexibility while still keeping the financing responsible and tailored to your goals. We also have "at cost" refinance options that do not have a seasoning period.
What types of properties can I finance?
We provide loan options for residential properties from one to four units, and we can also review five- to one hundred-unit multifamily properties. We will also consider an array of commercial property types, including but not limited to, office, retail, warehouse, industrial, hotels, and self-storage. Essentially, if it's for rent or resale, we have options for you.
Is there a minimum down payment?
Yes. For property flips, you can get financing with as little as 7% down. For DSCR (Debt Service Coverage Ratio) loans, the minimum down payment required is 15% for new purchases. We can also get creative in certain circumstances allowing for a second note from the seller.
Do I need experience to qualify?
For rental loans, experience isn’t required, so new investors are welcome. For flips and bridge loans, experience does play a role. While we do have financing options for first time flippers, the more experience a flipper has, the higher the leverage we can offer. We do accept experience from partners as well.
How much can I borrow?
For DSCR rental purchases, we have options for up to 85% of the purchase price pending FICO score and cash flow. For cash-out refinances, we can have options for up to 80% of the property’s value.
What is the minimum loan amount?
Our loan options start at just $75,000.
Are there seasoning requirements?
Yes. For refinances on a previously distressed property, a six-month seasoning period is required before using the new property value. For homes bought in cash, we offer a delayed purchase program that allows up to 80% financing for DSCR and up to 95% LTC for flips. These options are available in the first 6 months after the purchase.
How long does the approval process take?
Approvals are quick— For flips, Bridge, and 1-4 unit DSCR loans, approval is usually on the same or next business day. For Ground-Up Construction loans and more complex development projects, it may take a couple of weeks, but our process is designed to move fast.
What does my credit need to be?
We typically look for a credit score of 650 or higher for DSCR loans or 680 or higher for Bridge, Fix and Flip, and Ground-Up Construction loans, with no late mortgage payments in the past 12 months, how ever we do have options for lower credit scores at lower leverage.
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