Direct Mortgage Lender — California & Florida
The loan your bank won't give you.
Non-QM lending built for investors and self-employed borrowers. DSCR, Bank Statement, and P&L loans with same-day pricing — as the lender, not a broker.
Your Loan Starts Here
Bank statements, tax returns, leases · Instant sync
Upload Documents
Bank statements, tax returns, leases · Instant sync
Pull My Credit
Soft pull · No hard inquiry · Syncs to loan officer
Protect your credit from unsolicited offers. Before we run your credit report, we recommend opting out of pre-screened credit offers at OptOutPrescreen.com — the official consumer opt-out site. This prevents your information from being sold to other lenders after a credit inquiry.
$150M+
LOANS FUNDED
97%
SATISFACTION
2018
EST. ENCINO CA
24hr
PRICING RESPONSE
CA DRE Licensed Direct Lender · NMLS #1468651 · No Broker Markup · No Tax Returns Required (Non-QM) · Same-Day Pricing
Every loan your
bank can't do. We can.
We originate loans as a direct lender and through wholesale lending relationships — whatever gets you the best rate and terms.
DSCR Loans
Qualify entirely on your property's rental income. No tax returns, W-2s, or personal income docs required.
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DSCR as low as 1.0x
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Up to 80% LTV purchase
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SFR, 2-4 unit, STR, multifamily
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Cash-out refi available
Bank Statement
Qualify on 12-24 months of deposits — not your tax return.
Personal or business statements
Up to 80% LTV primary
2 years self-employed
640+ credit score
P&L Loans
Your CPA prepares a 12-month Profit & Loss statement. That's your entire income documentation.
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No bank statements or tax returns
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Ideal for doctors, attorneys, consultants
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Up to 80% LTV
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680+ credit score
Second Lien / HELOC
Access equity without refinancing your first mortgage. Keep your 3% rate and get the cash you need.
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$100k – $500k loan amounts
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Primary & investment properties
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Keep your existing first rate
Jumbo & Conventional
Competitive rates on conforming and jumbo loans nationwide for primary residence and investment.
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Conforming to $3M+ jumbo
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Conventional, FHA, VA programs
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All 50 states available
— How it works
From scenario to funded.
01
Submit scenario
Fill the form or start your application. Two minutes — no credit pull.
02
Same-Day Pricing
Our pricing manager calls with exact rate and product options same business day.
03
Application & Lock
Complete your full application in online. Rate locked same day.
04
Underwriting
Our team processes your file. Your dedicated LOA chases every condition.
05
Close & Fund
We coordinate closing directly and wire funds. Every step in-house.
— LOAN CALCULATOR
Crunch your numbers instantly!
Calculate your Debt Service Coverage Ratio instantly. 1.0x or above qualifies on cash flow alone.
ANNUAL GROSS RENT
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MONTHLY PITIA
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DSCR RATIO
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✓ Strong — qualifies easily
1.0x minimum · 1.25x preferred
P&I PAYMENT
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MONTHLY CASH FLOW
— GET A RATE
Submit your scenario. Get an answer today.
Our pricing manager reviews every scenario personally and calls with exact pricing — same business day. No credit pull. No commitment.
Same-Day Phone Call
Exact rate and product options within one business day — always a real person.
No Credit Pull Required
We price your scenario first — no hard inquiry until you decide to move forward.
Apply Directly Online
Start your application — Upload docs and pull credit in one place.
Protect your credit from unsolicited offers. Before we run your credit report, we recommend opting out of pre-screened credit offers at OptOutPrescreen.com — the official consumer opt-out site. This prevents your information from being sold to other lenders after a credit inquiry.
Protect Yourself from Unsolicited Credit Offers
Request a Rate Quote
All information is confidential. Response within one business day.
— ABOUT US
Built for borrowers the system failed.
Equitable Investment Group is a direct mortgage lender based in Encino, California, licensed since 2018. We specialize in Non-QM lending, the loans traditional banks won't write for self-employed borrowers, real estate investors, and anyone whose income doesn't fit a standard W-2 box. As a lender, we underwrite, price, and fund our own loans, which means faster answers, fewer middlemen, and pricing that reflects the actual risk of your file.
Licensed in California and Florida, with wholesale partnerships covering all 50 states — we say yes to the scenarios most lenders walk away from.
Licensed CA & FL · NMLS #1468651
Wholesale partners in all 50 states
Dedicated LOA on every file
Clean regulatory history since 2018
"Your tax returns don't show enough income."
"You haven't been self-employed for two years."
"Your LLC makes the deal too complicated."
What you've been told
"Your DTI is too high to qualify."
"Come back in 45 days."
"Your credit isn't pristine enough."
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We use bank statements or a CPA-prepared P&L.
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12 months of deposits is enough for us.
DSCR loans qualify on rental income alone.
Most of our files close in under 30 days.
We work with FICO scores in ranges most lenders won't.
LLC and trust ownership is standard for our investor loans.
How we work
Your scenario isn't a problem. It's a profile we're built for.
— CLIENT TESTIMONIALS
Real scenarios. Real outcomes.
Maria T.
★★★★★
"Two banks turned me down because my tax returns didn't tell the full story. EIG looked at my actual bank deposits and got me funded. They treated my business like a business, not a red flag."
MT
Business Owner, Los Angeles, CA
DK
★★★★★
"I'd been hitting DTI walls trying to add my third rental. Equitable used the property's rental income instead of my W-2, and closed in three weeks. Now I'm scaling without my income holding me back."
David K.
Real Estate Investor, Tampa, FL
JL
★★★★★
"My business needed working capital fast. They pulled equity from my home without touching my first mortgage rate. The whole team walked me through every step."
Jennifer L.
Small Business Owner, Encino, CA
June 17, 2026
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June 17, 2026
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June 17, 2026
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— Market News