Private lender · Investment advisor
Capital and counsel for real estate investors.
EMx Lending finances rentals, flips, BRRRs and new construction, and helps you build the plan behind them. One partner from your first deal to your fiftieth.
Two sides, one partner
A lender that thinks like an advisor.
Most lenders fund the deal in front of them. We start with where you are, where you want to go and the plan to get there. Then we finance it.
The lender
Fast, investor-only financing.
Business-purpose loans built for how investors actually buy: quick closings, leverage on purchase and rehab, and loans that qualify on the property.
- Fix & flip and BRRR bridge loans
- DSCR rental and portfolio loans
- Ground-up construction
- Larger and complex loans through Capital Advisory
The advisor
A written plan before you buy.
Client Partners get the same planning a wealth advisor gives a family office, applied to real estate: a policy, a buying order and a market read.
- Investment Policy Statement and Buy Box
- Market Cycle Brief, re-read every 90 days
- Deal reviews before you make an offer
- EMxOS, your investing operating system
Loan programs
Financing for every stage of the deal.
Purchase or refinance non-owner-occupied investment property, 1 to 4 units, in 42 states.
Fix & Flip and BRRR
Buy and renovate 1 to 4 unit homes, then sell or refinance into a rental loan.
- Leverage
- Up to 90% of purchase and 100% of rehab
- After-repair
- Up to 75% of ARV
- Term
- 12 months, interest-only
- Speed
- Close in as little as 7 days
Rental loans
Long-term financing sized on the property's rent, not your tax returns.
- Leverage
- Up to 80% purchase, 75% cash-out
- Term
- 30-year fixed options
- Qualify on
- Rent ÷ payment (DSCR)
- Speed
- Close in as little as 14 days
Rental portfolios
One loan across several rentals. Consolidate, pull cash out and simplify.
- Use
- Refinance or cash-out across doors
- Payments
- One loan, one payment
- Best for
- Growing operators with 3+ rentals
- Paired with
- Portfolio & Asset Management
Ground-up construction
New 1 to 4 unit homes on infill lots, funded in draws as you build.
- Term
- Up to 24 months, interest-only
- Leverage
- Up to 90% of cost for experienced builders
- Builders
- First-time builders considered
- Draws
- Released after inspection
General guidelines. Final terms depend on underwriting, credit, experience and the property. Not a commitment to lend.
The framework
The 7 Pillars of Profit™
Small investors don't fail for lack of deals. They fail for lack of process. The 7 Pillars cover every part of the business that matters, in the order it happens, so nothing gets missed.
EMxOS
Run your investing like a business.
The big players win because they have a process for everything. EMxOS gives you the same thing: an operating system built on the 7 Pillars, with a daily dashboard that tells you what to do next.
- Your plan, Buy Box and market read in one place
- A weekly Target List of real homes, priced against your Buy Box
- Underwriting, financing, rehab budgets and draws
- Every property, every loan, and when to hold, refinance or sell
Who we work with
Where are you today?
Same capital, different routes. The plan changes with where you are.
Getting started
A written plan, pre-checked deals and a lender who says yes to first-time investors with the right project.
Growing operator
Systems, a buying order and capital that keeps up: bridge to buy, DSCR to hold, cash-out to repeat.
Scaling portfolio
Portfolio-level visibility, blanket loans and a clear hold, refinance or sell call on every property.
Infill builders
Ground-up loans with draws, first-time builders considered, and a budget that matches how lenders fund.
Real estate agents
Bring your investor clients a plan, a Buy Box and fast financing. Free for agents.
For agentsCapital Advisory
Multifamily, mixed-use, commercial and larger placements, matched to the right capital.
Capital AdvisoryHow it works
From first call to funded, then growing.
Strategy session
A 45-minute call about your goals, your deal or your portfolio. No cost, no pressure.
Terms or a plan
Have a property? Get a term sheet. Building a business? Start a Planning Session as a Client Partner.
Fund the deal
We structure the loan, run the conditions with you and close, as fast as 7 days on bridge loans.
Grow
Rehab, refinance and recycle equity into the next deal, with every step tracked in EMxOS.
Meet the founder
I look at an investor's portfolio the way I would any business: cash flow, leverage and a plan to grow.
Danté M. Shackelford has spent more than 20 years in real estate and finance, as a loan officer, an investor, a Merrill Lynch wealth advisor and an M&A advisor. EMx is built on all of it.
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Have a deal? Let's run it.
Send the property and we'll come back with terms. Or book a strategy session and start with the plan.