Real estate capital, structured around your deal.
Private and alternative financing for 1–4 unit investment property in New York and New Jersey. Loans from $500,000 to $5 million, arranged through our network of private lenders.
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- Loan size
- $500K–$5M
- Property
- 1–4 units
- Markets
- NY & NJ
- Occupancy
- Investor only
What we finance
Loans for each stage of an investment: buying, renovating, holding, and refinancing.
Terms vary by property, borrower, and lender.
- Fix & flip loansPurchase and renovation capital for properties you plan to resell.
- Bridge loansShort-term capital to close fast, reposition, or replace maturing debt.
- Rental & DSCR loansLong-term loans sized on rent, including BRRRR refinances.
- Purchase loansFinancing to buy a 1–4 unit investment property.
- Refinance & cash-outPay off a bridge or rehab loan, or pull equity for the next deal.
- Renovation loansImprovement capital, released in draws as work is completed.
- Something elseA deal that doesn’t fit a box. Tell us about it.
How it works
One advisor from the first call to closing.
- 1
Tell us about the deal
The property, the price, and the financing you need. A short form or a phone call.
- 2
We structure the request
We look at leverage, the business plan and the exit, and work out which financing approach fits.
- 3
We take it to lenders
We present the deal to private and alternative lenders in our network that fund this kind of transaction.
- 4
Closing
The lender underwrites and funds the loan. We stay involved to keep documents moving and the date in view.
Why EK Capital
A narrow focus
We work on one kind of deal: 1–4 unit investment property in New York and New Jersey, from $500,000 to $5 million. Focusing on one type of transaction lets us match each deal to lenders that actually fund it.
One advisor, start to finish
You explain the deal once. We look at the purchase, the renovation and the exit before we look for capital, and we present it only to lenders that fund that kind of transaction.
Room to grow
As clients move from single properties to portfolios and larger projects, we’re building toward larger real estate transactions with them.
Who we work with
Real estate investors, landlords, fix & flip operators, developers, and property owners refinancing investment property.
Every request is reviewed on its merits. Eligibility depends on the property, the borrower, and the lender’s requirements.
- Loan size
- $500,000 – $5,000,000
- Property type
- 1–4 unit residential investment properties
- Occupancy
- Non-owner occupied
- Purpose
- Acquisition, refinance, renovation, bridge, and investment strategies
- Markets
- New York, New Jersey, and select markets
Certain transactions outside these parameters may be considered depending on the property, borrower, and available capital source.
Common questions
What size loans does EK Capital Consultants arrange?
Our current focus is financing between $500,000 and $5,000,000. That range covers a typical $500,000 or $1 million investor loan through larger $2 million to $5 million requests for higher-value properties or multi-unit acquisitions.
Certain transactions outside this range may be considered depending on the property, the borrower, and the available lender.
Do you finance owner-occupied properties?
No. Our focus is non-owner-occupied investment property. Financing for a primary residence or second home is a different category of lending with its own requirements, and we do not arrange it.
How quickly can financing close?
Timing depends on the transaction, the lender, and how quickly items such as the appraisal, title, insurance, and borrower documentation are completed. Private financing can often move faster than conventional bank lending, but no closing date can be guaranteed.
If you are working against a contract deadline, tell us the date when you submit the request so it can be factored in from the start.
What credit score is required?
There is no single minimum. Credit requirements vary by lender and program, and credit is considered together with the property, the loan-to-value, liquidity, and experience. A stronger overall profile generally provides access to more options and better terms.
The credit score range on our request form helps us understand which sources may be a fit. Submitting a request does not by itself involve a credit inquiry; any credit review would be part of a lender’s formal application process.
Have a deal in mind?
Tell us the property, the price, and what you need. An advisor will call you back to talk it through.