Investment Funding Made Simple
Our rates are low, our application is quick and easy! We can get you clear to close in as little as 10 days!
Interest rates 9.5 – 12.5%
Loan-to-Cost up to 95%
Interest only payments
No income verification
Rapid approvals
Instant proof of funds letter
Discounts for repeat borrowers
Credit score 650+
Get up to $5,000,000
Our rates are low, our application is quick and easy! We can get you clear to close in as little as 10 days!
Trusted By Agents With
Loan Programs Available
Why Choose Our Fix & Flip Loan?
At ECS Funding, we make investment funding simple. Whether you're building new developments, expanding your rental portfolio, or flipping properties for profit, we have the financial solutions to help you succeed.
See what others think about us
OUR CLIENTS SAY
Quick and Easy Process!
Great Experience for Real Estate Investors!
Highly Recommend for Bridge Loans!
I needed funding for a new construction project, and ECS Funding made the whole process so smooth. The online application took just a few minutes, and I was approved the same day! The interest rates were competitive, and I received my proof of funds letter instantly. Highly recommend for anyone looking for fast and reliable investment funding.
I've used ECS Funding multiple times for my fix-and-flip projects, and they never disappoint. The interest-only payment option really helps keep costs down while working on renovations. Plus, they offer discounts for repeat borrowers, which is a huge bonus. Will definitely continue using their services!
I needed a bridge loan to secure a property quickly, and ECS Funding came through. The approval process was incredibly fast, and I had the funds in no time. The customer service was top-notch, guiding me through every step. They truly make investment funding simple and hassle-free.
Our Loan Solutions:
Bridge Loans: Short-term financing for real estate investors looking for quick access to capital, with no property rehab required.
New Construction Loans: Ideal for developers and builders, providing the funds needed to bring your project from blueprint to completion.
DSCR Rental Loans: Income-based loans for real estate investors, allowing you to qualify based on property cash flow, not personal income.
Fix & Flip Loans: Fast funding for investors who want to purchase, renovate, and sell properties for a profit.
DSCR 5 Unit Rental Loans: Tailored financing for multi-unit rental properties, qualifying based on property income for greater flexibility.
Helping Small Businesses Grow Every Day
Contact ECS Funding to learn more about how we can support your investment goals with fast, flexible financing.
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 can finance up to 80% 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.
What types of properties can I finance?
We provide loans for single-family homes up to four units, and we can also review five- to one hundred-unit multifamily properties. We do not currently finance mobile homes, manufactured homes, or commercial buildings. Our focus is strictly on residential investment properties.
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 20% for new purchases.
Do I need experience to qualify?
Not always. 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 can finance up to 80% of the purchase price if you have strong credit (700+) and cash flow. For cash-out refinances, we can also fund up to 80% of the property’s value with a qualifying score.
What is the minimum loan amount?
Our loans start at just $50,000.
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. This option is available between month 3 and month 6 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. This shows a strong record of paying on time.
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