California Equity Financing
Access the equity in your investment property when conventional channels are too slow, unavailable, or have already said no. Evaluated on the asset and the equity — not a credit checklist.
Overview
Equity-based lending uses the equity in an existing California investment property as the primary basis for loan approval. Unlike conventional lending, which requires income documentation, credit thresholds, and property condition standards, equity-based private capital loans are structured primarily on what the property is worth and how much equity the borrower holds.
Common structures include first and second trust deeds on non-owner-occupied investment properties. The loan proceeds can be used to satisfy maturing obligations, access working capital, fund additional acquisitions, or bridge a gap until permanent financing is available.
Who This Is For
Process
Share the property address, estimated value, and existing liens. Troy Mire evaluates the equity position and the supportable loan amount.
Loan terms are structured based on the property value, equity, and the borrower's situation — not income or credit score alone.
Once funded, the borrower addresses the immediate need and executes the agreed exit strategy before loan maturity.
Funding Scenario
Property owner facing a maturing second trust deed with a balloon payment. Could not qualify for conventional refinance due to self-employed income documentation. Needed equity access to satisfy the balloon and avoid default.
Financing Structure
Equity Loan · 60% CLTV · 24-Month Term · Interest Only
Outcome
Balloon satisfied, default avoided
FAQ
Get Started
Share the property, estimated value, and existing liens. That is enough to evaluate whether the equity supports the financing you need.
Troy Mire · DRE 01199870 · NMLS 1795353