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 and direct access to the lenders who write these programs.
Your Loan Starts Here
Bank statements, tax returns, leases · Instant sync
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.
— our programs
Your bank fits you to one box. We find the box that fits you.
Our job is finding which of these programs, and which lender fits your situation.
DSCR Loans
Qualify entirely on your property's rental income. No tax returns, W-2s, or personal income docs required.
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Up to 85% LTV on purchases
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No minimum DSCR up to 75% LTV
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Airbnb / VRBO / short-term rental income accepted
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SFR, 2–4 units, manufactured homes, & 5–8 unit apartments
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No reserves required
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Qualify off interest-only payments
Bank Statement
Qualify on 12-24 months of deposits, not your tax return.
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Personal or business statements
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Up to 80% LTV on refinance
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Up to 90% LTV on purchases
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1-year self-employed history accepted
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640+ credit score
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Business or personal statements accepted
P&L Loans
Your accountant prepares a 12-month Profit & Loss statement. That's your entire income documentation.
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No bank statements or tax returns required
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Ideal for self-employed and business owners
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Up to 80% LTV
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660+ credit score
Second Lien / HELOC
Access equity without refinancing your first mortgage. Keep your low rate and get the cash you need.
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Up to 90% LTV
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Loan amounts up to 850,000
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DSCR, bank statement, P&L, and full doc programs available
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Interest-only option
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Primary & investment properties
Jumbo / Conventional / VA / FHA
A full range of home loan options, whether you're buying your first home, refinancing, or financing a higher-value property.
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Conforming to $3M+ jumbo
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Conventional, FHA, VA programs
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Primary residences up to $4M
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Second homes and investment properties up to $3M
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40-year interest-only option
— How it works
From scenario to funded.
Step 01
Submit scenario
Fill out the form or start your application. Two minutes,
Step 02
Same-Day Pricing
We shop your scenario across our lender network and call you with pricing and program options.
Step 03
Application & Lock
Complete your full application online. We submit to your chosen lender and lock your pricing.
Step 04
Underwriting
We package your file and work directly with the lender's underwriter, chasing every condition so you don't have to.
Step 05
Close & Fund
We coordinate with the lender, title, and escrow through closing. You sign, the loan funds, and we stay with you to the finish.
— LOAN CALCULATOR
Crunch your numbers instantly!
Calculate your Debt Service Coverage Ratio, or estimate a payment on a purchase or refinance. Estimates only; not a loan offer or approval.
DSCR RATIO
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✓ Strong — qualifies easily
Select a loan structure to begin
EST. MONTHLY PAYMENT
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LOAN TO VALUE
MONTHLY CASH FLOW
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EST. PAYMENT AFTER IO ENDS
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Where to find us
Real people, one office, no call center.
OFFICE:
17547 Ventura Blvd, Ste 202
Encino, CA 91316
PHONE:
EMAIL:
(818) 928-3481
CA + FL
CONSUMER LENDING
50
BUSINESS
PURPOSE
STATES
— ABOUT US
Not one lender's guidelines. Dozens.
Equitable Investment Group is a licensed mortgage broker headquartered in Encino, California. We were incorporated in 2018 by people who kept watching creditworthy borrowers get declined for one reason, their income didn't arrive in the shape an underwriting box expected.
Self-employed professionals, real estate investors, homeowners with equity to access. Not edge cases, most of our business.
One broker, many lenders.
A lender can only offer you its own guidelines. We aren't limited to one set, we shop your scenario across the network and bring back what actually fits.
● One application: A declined file gets re-placed, not restarted from zero.
● Competitive pricing: Lenders bid for your loan instead of quoting you a single number.
— NATIONWIDE REACH
Business purpose loans in all 50 states.
Investment property financing isn’t consumer credit, so it isn’t bound by the same state-by-state limits. If you’re buying, refinancing or pulling equity from a property held for business purposes, we can place it almost anywhere.
Request a Rate Quote
All information is confidential. Response within one business day.
— 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 Yourself from Unsolicited Credit Offers
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.
Our Team
Fast & Agile Loan Process. Meet the team of loan officers that will help you
Daniel Camposeco
California, Florida
Anthony Silva
Dali Trifskin
California, Florida
— 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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— Market News