GOLD LENDER
Pacific Equity & Loan was founded at the end of 2018 by managing partners: Sang Yoon and Scott Baukol. Each equipped with years in private money lending, real estate investment, business operation, and money management, Pacific Equity & Loan was born from the ideas of forward thinking and knowledgeable leaders.
Anything but traditional, it is easy and reliable to fund your fix and flip project with us. With a focus on empowering clients through offering flexible terms, low fees, and competitive rates, Pacific Equity & Loan is the optimal lender for your next real estate investment.
Pacific Equity and Loans advertises same-day draw approvals, a strong fit for Lenderly’s focus on fast draw management. Borrowers submit each draw through a Request Draw portal on the site. Beyond the same-day approval claim, though, the company does not publish the inspection method (physical or virtual), a per-draw turnaround from approval to wire, or draw fees, so those specifics should be confirmed for a given project. On the front end, Pacific Equity closes in as few as 5 to 12 business days, which it frames as fast enough to compete with cash buyers. Its 5% and 0% down fix and flip tiers pair high leverage (up to 95% LTC) with that quick draw approval, which matters for investors running thin on cash between draws. Rehabbers should confirm the inspection step and funding turnaround directly before closing.
Pacific Equity and Loans is a private lender based in Lakewood, Washington, offering fix and flip and new construction loans on residential investment property across 23 states, with financing tiers scaled to down payment and experience.
• Fix and flip (Premier): up to 85% LTC and up to 75% LTARV, from 9%, for 680+ credit borrowers.
• Fix and flip (5% or 0% down): up to 95% LTC and up to 75% LTARV, from 12%, for 600+ credit or repeat borrowers.
• New construction: up to 95% LTC and up to 75% LTARV with 5% down (requires three completed projects in the last 36 months).
• Loans run from $100K to $1.5M on residential, non-owner-occupied property. Pacific Equity operates under NMLS ID 2422094.
Pacific Equity and Loan is a hard money lender headquartered in Lakewood, Washington, focused on residential investment financing such as fix and flip, new construction, and ADU loans. It lends in 23 states for residential investment only, with no owner-occupied or personal loans. It operates under NMLS ID 2422094.
