Frequently asked questions
Private and alternative real estate financing, what we focus on, and what to expect after you send a request.
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.
What types of properties do you finance?
We currently focus on 1–4 unit residential properties held for investment: single-family homes, two- to four-unit buildings, and similar investor-owned residential real estate that is not occupied by the borrower.
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.
What is hard-money financing?
“Hard money” is a common term for short-term real estate loans from private lenders or private funds. These loans are generally underwritten with significant weight on the property, its value, and the borrower’s plan for it, rather than relying primarily on personal income documentation.
Hard-money and other private loans are often used for acquisitions, renovations, and bridge situations where speed or flexibility matters. They typically carry higher rates and fees than conventional bank financing and shorter terms. We refer to this broader category as private and alternative real estate financing.
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.
Do you finance fix-and-flip projects?
Yes. Fix-and-flip financing is one of our core areas. Requests are evaluated on the purchase price, the renovation budget and scope, the projected after-repair value, and the borrower’s experience with similar projects.
Do you finance rental properties?
Yes. We arrange financing for 1–4 unit rental properties, including purchases, refinances, and BRRRR strategies. Some lenders size these loans primarily on the property’s rental income relative to its debt payments.
Can you refinance an existing property?
Yes. We work on rate-and-term and cash-out refinances of investment properties, including paying off maturing bridge or renovation loans. Eligibility and available leverage depend on the property’s current value, condition, income, how long it has been owned, and the lender’s guidelines.
What information do I need to submit?
To start, our financing request form asks for the property address and type, purchase price or current value, requested loan amount, loan purpose, renovation budget if any, your experience, an approximate credit range, and your timeline.
If the transaction moves forward, lenders commonly request items such as a purchase contract, a scope of work and budget, entity documents, bank statements, a schedule of real estate owned, and leases or rent rolls for rental properties. Exact requirements vary by lender.
Are commercial properties eligible?
Our current focus is 1–4 unit residential investment property. We are building toward a broader range of real estate transactions over time. If you have a multifamily, mixed-use, or commercial property, you are welcome to describe it in a request; certain transactions outside our current parameters may be considered depending on the property, the borrower, and available capital.
What determines loan terms?
Terms are set by the lender, not by us, and reflect the full transaction: loan amount and leverage, property type, location and condition, the business plan and exit, the borrower’s experience, credit, and liquidity, and prevailing market conditions.
Rates, fees, loan term, and other conditions vary by transaction and lender. Any terms are subject to lender underwriting and final approval.
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.