We provide acquisition, fix and flip and unoccupied residential rehab. To learn about each loan type in detail, click here. Contact us to inquire about other loan needs. We are happy to discuss your project.

Our main loans are fix and flip, unoccupied residential rehab, and acquisition. Because they are each unique loan types, so is the documentation required. Our minimum loan package for a flip or rehab would include a proof of ownership, budget for rehab/construction, comparative market analysis, borrower’s LLC operating agreement, and builder’s risk insurance policy. Regardless of loan type, we offer a streamlined process and quick decisions to make the process as quick and as easy as possible.

Yes, of course! Please email us at info@ec1lending.com to request a call back.

Most loans will be limited to 70% of LTV (Loan to Value) or ARV (After Repair Value). However, we will consider other loans that may exceed the 70% level on a case-by-case basis.

We provide quick decisions on loans and can close within 5-7 business days for most of our clients.

We currently provide lending in Virginia, North Carolina, and South Carolina.

Personal credit is important however it is not the only aspect we use to determine whether or not to lend to a borrower.

Unfortunately, no. We only offer commercial loans, which require the property to not be occupied during renovation.

We only lend to entities.

EC1 Lending will manage all escrow for any draws that are needed. The draws will be linked to the budget that is provided for the initial loan approval. We will require a Lien Waiver and a Title update prior to the wiring of funds.

Depending on circumstances we will extend the term of the loan. For flip and rehab loans we typically offer an extension option upfront that comes with an additional cost.

We have made the process quick and simple. To get started, email us at info@ec1lending.com or call us at 571-918-1343 or click here to fill out a simple form to get the process started.