Our Loan Products

Rehab Loans

  • Filling the funding gap on rehab projects.

  • Funds are released in one lump sum or stages as construction milestones are met.

Fix & Hold (BRRR) 

  • Short-term financing for investors who purchase properties to rehab and hold as rentals

  • Deal-centric approach no excessive paperwork our asset model focuses on deal’s potential and operating at lighting speed

  • Hard money options for buy-and-hold investors.

  • Financing for both single-family rentals and 4 unit multi-family properties.

Fix-and-Flip Loans

  • Designed for real estate investors renovating and reselling homes.

  • Fast approvals, short-term financing, flexible draws.

  • Short-term financing covering purchase price and up to 100% of rehab costs for Long Island properties. Perfect for investors targeting Valley Stream to Montauk Point and Elmont to Green Point. 

  • Flexible underwriting we look beyond traditional factors like credit score, enabling a more inclusive approach to financing.

Bridge Loans

  • Short-term solution to secure deals while waiting for permanent financing.

  • Ideal for property transitions and investors needing quick liquidity.

  • Quick capital to bridge the gap between buying and selling properties—ideal for competitive Long Island markets.

Newer Investor Funding

  • Short-term funding that covers the purchase and up to 100% of renovation costs through controlled draws and inspections. Tailored for projects from Valley Stream to Montauk.

  • Your co-pilot not just a funding source; we’re here to help you start strong and grow smarter as you build your real estate investment business.

  • Project review underwriting that goes deeper than the numbers, assessing both the property and the overall investment plan to help identify risks before you close.

  • Business plan & strategy feedback we provide structured feedback on your business plan and investment strategy to support your loan package and strengthen your deal presentation.

  • Team readiness check guidance on the roles and resources every investor needs in place—contractors, attorney, title, insurance, and more—so you’re prepared before closing.

Loan Terms & Highlights At-a-Glance

  • Loan Amounts: $100,000 to $1M

  • Monthly Interest ONLY Payments

  • 12 Months (Minimum 4 months option for a 1 Month Wholetail Minimum)

  • 1-4 Family Homes

  • No additional fees EVER

  • First position

  • No income verification / asset-based underwriting

Local Expertise: Built on Long Island, for Long Island

At Equiquest, Long Island isn’t just where we lend—it’s home. Our team has been living, investing, and doing business here for decades. That means when you work with us, you’re not just getting a lender—you’re getting a partner who understands the ins and outs of Nassau and Suffolk real estate from Valley Stream to Montauk.

Why Local Knowledge Matters

Every market is different, but Long Island has its own unique rhythm. Our deep understanding of local conditions helps borrowers avoid costly mistakes and move quickly when opportunity strikes:

  • Zoning & Permitting – We know Nassau County’s zoning regulations and Suffolk County’s planning and zoning codes. This insight helps us underwrite deals with realistic renovation timelines and anticipate approval hurdles.

  • Renovation & Contractor Networks – Because we’re deeply rooted in the Long Island building community, we can connect you with contractors, inspectors, and vendors who understand local codes and expectations.

  • Property Trends & Market Shifts – We monitor housing trends across Long Island, from surging demand in North Fork to luxury growth in the Hamptons, so your deal is always grounded in real market data.

  • Closing Timelines – Our familiarity with local title companies, attorneys, and municipal processes allows us to streamline closings and fund deals faster than out-of-town lenders.

By choosing Equiquest, you’re choosing a lender who knows that Hempstead isn’t Huntington, and that Riverhead timelines look very different from Rockville Centre. We blend financial discipline with on-the-ground knowledge, giving you the confidence to take on projects others shy away from.

Who We Serve on Long Island

  • Real estate investors

  • House flippers

  • Property developers

  • Landlords / rental investors

How to Apply

  1. Submit application.

  2. Get approved in 24–48 hours.

  3. Close in days, not weeks.

  4. Access funds for your investment.