Direct Mortgage Lender — California & Florida

The loan your
bank won't give you.

We fund DSCR, Bank Statement, P&L, Jumbo, and Conventional loans — as the lender, not a broker. No tax returns for the right borrowers. Same-day pricing on every scenario.

Start Application ↗ Request Rate Quote

$150M+

Loans Funded

97%

Satisfaction

2018

Est. Encino, CA

24hr

Pricing Response

Borrower Portal

Apply, upload documents, and pull your own credit — all in one place. Powered by Arrive.

Start Full Application

Complete 1003 online · Secure · Mobile-friendly

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Upload Documents

Bank statements, tax returns, leases · Instant sync

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Pull My Credit

Soft pull · No hard inquiry · Syncs to loan officer

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Request Rate Quote

No credit pull · Pricing manager calls same day

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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.

Loan Products

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.

DSCR as low as 1.0x

Up to 80% LTV purchase

SFR, 2-4 unit, STR, multifamily

Cash-out refi available

Investor

Bank Statement

Self-employed? Qualify on 12-24 months of deposits — not your tax return.

Personal or business statements

Up to 85% LTV primary

2 years self-employed

640+ credit score

Self-Employed

P&L Loans

Your CPA prepares a 12-month Profit & Loss statement. That's your entire income documentation.

No bank statements or tax returns

Ideal for doctors, attorneys, consultants

Up to 80% LTV · 680+ credit

Professional

Second Lien / HELOC

Access equity without refinancing your first mortgage. Keep your 3% rate and get the cash you need.

$100k – $500k loan amounts

Primary & investment properties

Keep your existing first rate

Equity Access

Jumbo & Conventional

Competitive rates on conforming and jumbo loans nationwide for primary residence and investment.

Conforming to $3M+ jumbo

Conventional, FHA, VA programs

All 50 states available

All Borrowers

Not Sure Which?

Submit a scenario. Our pricing manager identifies the right product and calls you same business day.

Get Pricing Today

How It Works

From scenario to funded.

Submit Scenario

Fill the form or start your Arrive application. Two minutes — no credit pull.

Same-Day Pricing

Our pricing manager calls with exact rate and product options same business day.

Application & Lock

Complete your full application in Arrive online. Rate locked same day.

Underwriting

Our team processes your file. Your dedicated LOA chases every condition.

Close & Fund

We coordinate closing directly and wire funds. Every step in-house.

DSCR Calculator

Does your rental qualify?

Calculate your Debt Service Coverage Ratio instantly. 1.0x or above qualifies on cash flow alone.

DSCR Ratio

Payment Est.

Monthly Rental Income ($)

Loan Amount ($)

Interest Rate (%)

Annual Property Tax ($)

Annual Insurance ($)

DSCR Ratio

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1.0x minimum · 1.25x preferred

Monthly PITIA

—

P&I Payment

—

Annual Gross Rent

—

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 Arrive application → Upload docs and pull credit in one place.

Protect Yourself from Unsolicited Credit Offers

When lenders pull your credit, your information may be sold to other companies. Before applying, we recommend opting out at the official consumer opt-out registry: OptOutPrescreen.com — administered by the major credit bureaus under the Fair Credit Reporting Act. This stops pre-screened offers and protects your privacy.

Request a Rate Quote

All information is confidential. Response within one business day.

First Name *

Last Name

Phone *

Loan Product *

Loan Purpose

Property State

Property Value ($)

Loan Amount ($)

Credit Score (Est.)

Scenario Details

Or start your Arrive application directly →

CA DRE Licensed · NMLS #1468651 · Equal Housing Lender · 17547 Ventura Blvd, Suite 202, Encino CA 91316

✓

Scenario Received

Our pricing manager will call you within one business day. No credit check, no commitment.

Complete Application in Arrive →

2018

Est. Encino, CA

CA+FL

Licensed

NMLS

#1468651

$150M+

Funded

About Us

Built for borrowers the system failed.

Equitable Investment Group was incorporated in 2018 by mortgage professionals who believed creditworthy borrowers shouldn't be rejected simply because their income looks different on paper.

As a direct lender licensed in California and Florida, we control the entire lending process — from pricing to funding. We originate loans directly and through wholesale lending relationships, whichever delivers the best terms for the client.

We specialize in Non-QM lending alongside conventional, FHA, VA, and jumbo programs through our national bank partnerships covering all 50 states.

Direct lender — we fund with our own warehouse line

Founded 2018 — clean regulatory history

Dedicated LOA on every file from application to close

$150M+ funded — 97% customer satisfaction rate

CPA and agent referral program — $500 per funded loan

Client Testimonials

What our borrowers say.

★★★★★

"I own 6 rental properties and every bank wanted tax returns. EIG qualified me on rental income alone and closed in 21 days. I've done three more loans with them since."

Michael R.

Real Estate Investor — Los Angeles, CA

★★★★★

"My tax returns showed almost nothing after deductions. EIG used my bank statements and approved me for a $1.2M purchase. My conventional lender had declined me twice."

Sandra C.

Business Owner — Miami, FL

★★★★★

"The Arrive portal made everything seamless. I uploaded from my phone and the loan officer had everything instantly. Fastest closing I've ever experienced."

Dr. D. Kim

Physician — San Diego, CA

The loan your
bank won't give you.

Every loan your
bank can't do. We can.

From scenario to funded.

Does your rental qualify?

Submit your scenario.
Get an answer today.

Built for borrowers the system failed.

What our borrowers say.

Mortgage & Rate News

Ready to get your rate?

The loan yourbank won't give you.

Every loan yourbank can't do. We can.

From scenario to funded.

Does your rental qualify?

Submit your scenario.Get an answer today.

Built for borrowers the system failed.

What our borrowers say.

Mortgage & Rate News

Ready to get your rate?

The loan your
bank won't give you.

Every loan your
bank can't do. We can.

Submit your scenario.
Get an answer today.