Frequently Asked Questions
Have questions? We've compiled answers to the most common questions about our financing solutions, loan process, and requirements to help you get started with confidence. If you need additional assistance, don't hesitate to contact our team.
- 01EQS Capital Partners LLC is a Connecticut-based private real estate lending firm. The company is a Connecticut limited liability entity owned by three member entities.
- 02EQS is owned equally by its three member entities — Laurmar Holdings LLC, TSims Holdings LLC, and Eisen Capital Partners LLC
- 03
EQS's active loan portfolio varies. Since 2021, EQS has funded 65 loans, 48 of which have been repaid in full, totaling $24.7 million in principal.
- 04EQS has a total of 65 investors, largely qualified, high-net-worth individuals, along with a number of investing entities.
- 05EQS uses lender by Mortgage Automator for underwriting, loan servicing, and investor communication.
- 06Original loan documents are maintained at EQS's offices, with cloud-based redundancy maintained both by EQS Capital and by its attorneys.
- 07Not currently. EQS's accounting is handled by Trivium Point Advisory in White Plains, NY.
- 08EQS works with a small group of attorneys across the states in which it lends
- 01EQS Capital lends directly to real estate investors, builders and dealers. We specialize in short term real estate secured loans.
- 02EQS targets an LTV of 65–70% or lower at closing, though higher LTV may be considered in certain circumstances. The current weighted average LTV across EQS's active portfolio is 46.98%.
- 03EQS conducts in-person, on site inspections whenever geographically possible, and obtains broker opinions of value, broker price opinions (BPOs), comparative market analyses (CMAs), and/or appraisals from licensed or MAI-certified appraisers.
- 04Every loan requires proof of property and liability insurance — plus flood and wind coverage where applicable — with EQS named as mortgagee, additional insured, and loss payee. No loan closes without satisfactory proof of insurance.
- 05EQS often performs in-person, on-site inspections when geographically feasible as part of its valuation process.
- 06EQS has successfully funded deals in a growing number of states including Connecticut, New York, Massachusetts, Colorado, Vermont, Rhode Island, Pennsylvania, New Jersey, and Florida, working with local counsel in each.
- 01
A bridge loan is short-term, first-lien financing that lets a borrower move on a property — or carry it through a transition like a renovation, lease-up, or sale — without waiting on permanent financing. Most run 12 to 24 months and carry interest-only payments for the full term. EQS structures its bridge loans in first-lien position, with no subordinate debt behind them.
- 02"Hard money" and "bridge loan" get used loosely and often describe the same thing. Hard money tends to emphasize the asset-based, fast-close nature of the financing — useful for value-add or distressed deals. Bridge loan emphasizes the purpose: short-term capital that carries a borrower to the next stage, whether that's a refinance or a sale. EQS blends both — moving at hard-money speed while underwriting with institutional discipline.
- 03Fix-and-flip financing is a specific application of the bridge loan, built for investors acquiring and rehabbing residential property to resell. EQS puts capital toward both the purchase and the renovation, releasing the rehab portion in stages as the work gets done. Borrowers typically pay the loan off within a year, once the property sells.
- 04EQS investors earn a 10% per annum return, paid monthly, in arrears, for as long as the underlying mortgage loan is performing.
- 05Monthly, in arrears, contingent on the loan continuing to perform.
- 06
EQS charges borrowers origination and/or commitment fees. The number of points charged varies deal by deal, depending in part on whether an outside broker referred the loan.
- 07Most EQS loans run for a 12-month term, with some extending to 18 months and, occasionally, 24 months.
- 08Interest is paid out monthly, in arrears, rather than accruing to be paid at maturity.
- 09
EQS has many loan programs:
Fix & Flip loans are our most popular & provide financing for the purchase and rehab of non-owner occupied residential and multi-family investment properties.
Alternative Fix & Flip loans are also available to provide financing for the rehab of other assets such as vintage automobiles, RVs & boats
Our Bridge Loan program provides investors funding for the acquisition and refinance of residential, multi-family, mixed-use, and commercial investment properties.
Refinance or Cash-Out programs allow investors to use the equity in a property they already own for refinance, rehab or improving their property. Or just take cash out.
New Construction loans can get you the financing you need to cover the cost of the building process.
- 01Most EQS investments have no lockup period; whether a lockup applies depends on the specific transaction.
- 02Occasionally, though this is determined on a deal-by-deal basis. Prepayment penalties typically apply only when a borrower flips or refinances the property quickly — within 4 months or less of closing.
- 03Standard terms are 12 months, with 18-month terms available and 24-month terms offered rarely.
- 04Currently there is no minimum for qualified investors.
- 05
Yes. Our investor qualification involves completing a questionnaire to determine whether you are permitted, under applicable federal and state securities laws, to invest with us. All responses are kept confidential and used only to determine your eligibility to invest.
- 06
EQS Capital Partners will take into consideration things like experience, credit, financial strength and, of course, the asset/property type in question.
- 01EQS handles all collection activities and advances any expenses necessary to protect the lender and its investors. EQS makes every effort to avoid foreclosure by working directly with the borrower first.
- 02EQS advances the funds necessary to carry the loan through foreclosure on behalf of its investors.
- 03In order: collection costs and fees, return of principal, interest owed, and any default interest — the last of which is split equally between EQS and its investors.
- 04
To date, EQS has had no defaults requiring legal proceedings. Four borrowers have occasionally paid beyond the standard 10-day grace period, but none has ever exceeded 15 days late, and all loans are currently in good standing.
- 05Yes — EQS has granted 4 loan extensions to date.
- 06EQS services loans in-house using the Mortgage Automator platform, handling payments, borrower communication, and collections directly rather than outsourcing to a third-party servicer.
- 01Yes — EQS welcomes broker-referred deals, and greatly values broker relationships as a key origination channel. Brokers can register with our Broker Portal to gain access to the full loan product suite, direct communication with the origination team and more.
- 02
Broker Portal coming soon!
- 03
Yes. EQS values its broker relationships, and broker compensation is determined on a case-by-case basis depending on the transaction. Terms are agreed upon up front, before closing. Contact us to discuss a specific deal.
- 04
EQS prides itself on fast response to all stakeholders: borrowers, brokers & investors. You can expect responses within 24 hours.
- 05Deals broadly consistent with EQS's lending parameters — non-owner-occupied investment properties, target LTV of 65–70% or lower, 12-month (occasionally 18- or 24-month) terms, etc.
- 06
EQS keeps you in the loop through closing and servicing. You can also follow along real time with our Brokers Portal.
- 01
If you're interested in investing with EQS Capital Partners, contact us and we will send you a link to our Investor Portal.
- 02Investors typically earn a 10% per annum return, paid monthly, in arrears, for each loan as long as the loan is performing.
- 03Yes — EQS investments are secured by first-position mortgages on real property, with insurance required on every deal (property, liability, and flood/wind where applicable) naming EQS as mortgagee and loss payee.
- 04EQS operates on a syndication model rather than a fund model. That means your capital goes into a specific loan you've chosen, not a blind pool — you see the deal, the property, and the terms before committing, and you decide which loans you want to participate in. It gives investors more direct control over what they're backing, though it also means diversification is something you build yourself across multiple deals rather than something the fund does for you automatically.
- 05Currently there is no minimum for qualified investors.
- 06Most EQS investments have no specified lockup period; it depends on the specific transaction.
- 07Investor communication happens directly through our mortgage platform. Automated statements are sent monthly, quarterly & annually. Additionally, investors are encouraged to create an account in our Investor Portal where they can view all their details any time.
- 08No. EQS does not share origination points with investors; investors' return is the stated 10% per annum interest rate.
- 01
A bridge loan is short-term, first-lien financing that lets a borrower move on a property — or carry it through a transition like a renovation, lease-up, or sale — without waiting on permanent financing. Most run 12 to 24 months and carry interest-only payments for the full term. EQS structures its bridge loans in first-lien position, with no subordinate debt behind them.
- 02"Hard money" and "bridge loan" get used loosely and often describe the same thing. Hard money tends to emphasize the asset-based, fast-close nature of the financing — useful for value-add or distressed deals. Bridge loan emphasizes the purpose: short-term capital that carries a borrower to the next stage, whether that's a refinance or a sale. EQS blends both — moving at hard-money speed while underwriting with institutional discipline.
- 03Fix-and-flip financing is a specific application of the bridge loan, built for investors acquiring and rehabbing residential property to resell. EQS puts capital toward both the purchase and the renovation, releasing the rehab portion in stages as the work gets done. Borrowers typically pay the loan off within a year, once the property sells.
- 04EQS investors earn a 10% per annum return, paid monthly, in arrears, for as long as the underlying mortgage loan is performing.
- 05Monthly, in arrears, contingent on the loan continuing to perform.
- 06
EQS charges borrowers origination and/or commitment fees. The number of points charged varies deal by deal, depending in part on whether an outside broker referred the loan.
- 07Most EQS loans run for a 12-month term, with some extending to 18 months and, occasionally, 24 months.
- 08Interest is paid out monthly, in arrears, rather than accruing to be paid at maturity.
- 09
EQS has many loan programs:
Fix & Flip loans are our most popular & provide financing for the purchase and rehab of non-owner occupied residential and multi-family investment properties.
Alternative Fix & Flip loans are also available to provide financing for the rehab of other assets such as vintage automobiles, RVs & boats
Our Bridge Loan program provides investors funding for the acquisition and refinance of residential, multi-family, mixed-use, and commercial investment properties.
Refinance or Cash-Out programs allow investors to use the equity in a property they already own for refinance, rehab or improving their property. Or just take cash out.
New Construction loans can get you the financing you need to cover the cost of the building process.
- 01
A bridge loan is short-term, first-lien financing that lets a borrower move on a property — or carry it through a transition like a renovation, lease-up, or sale — without waiting on permanent financing. Most run 12 to 24 months and carry interest-only payments for the full term. EQS structures its bridge loans in first-lien position, with no subordinate debt behind them.
- 02"Hard money" and "bridge loan" get used loosely and often describe the same thing. Hard money tends to emphasize the asset-based, fast-close nature of the financing — useful for value-add or distressed deals. Bridge loan emphasizes the purpose: short-term capital that carries a borrower to the next stage, whether that's a refinance or a sale. EQS blends both — moving at hard-money speed while underwriting with institutional discipline.
- 03Fix-and-flip financing is a specific application of the bridge loan, built for investors acquiring and rehabbing residential property to resell. EQS puts capital toward both the purchase and the renovation, releasing the rehab portion in stages as the work gets done. Borrowers typically pay the loan off within a year, once the property sells.
- 04EQS investors earn a 10% per annum return, paid monthly, in arrears, for as long as the underlying mortgage loan is performing.
- 05Monthly, in arrears, contingent on the loan continuing to perform.
- 06
EQS charges borrowers origination and/or commitment fees. The number of points charged varies deal by deal, depending in part on whether an outside broker referred the loan.
- 07Most EQS loans run for a 12-month term, with some extending to 18 months and, occasionally, 24 months.
- 08Interest is paid out monthly, in arrears, rather than accruing to be paid at maturity.
- 09
EQS has many loan programs:
Fix & Flip loans are our most popular & provide financing for the purchase and rehab of non-owner occupied residential and multi-family investment properties.
Alternative Fix & Flip loans are also available to provide financing for the rehab of other assets such as vintage automobiles, RVs & boats
Our Bridge Loan program provides investors funding for the acquisition and refinance of residential, multi-family, mixed-use, and commercial investment properties.
Refinance or Cash-Out programs allow investors to use the equity in a property they already own for refinance, rehab or improving their property. Or just take cash out.
New Construction loans can get you the financing you need to cover the cost of the building process.