ES Financial
LLC
INVESTOR-FOCUSED
MORTGAGE SOLUTIONS
22 years of experience financing residential, commercial, and mixed-use properties nationwide. Your trusted partner for DSCR loans, bridge financing, and construction lending.
About ES Financial LLC
ES Financial LLC specializes in investor-focused mortgage lending for real estate professionals nationwide. With over two decades of experience, our mission is deeply rooted in providing strategic financing solutions that help investors grow their portfolios. We are committed to delivering dependable, honest, and flexible lending options tailored to your investment goals.
LOAN PROGRAMS
Comprehensive financing solutions designed for real estate investors
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are perfect for investors purchasing or refinancing rental properties. Qualify based on property cash flow, not personal income.
- Purchase: Up to 85% LTV of current market value
- Rate/Term Refinance: Up to 85% LTV
- Cash-Out Refinance: Up to 80% LTV
- Loan Amounts: $100,000 - $5,000,000
- Terms: 30-year fixed rates available
- Credit: 700 FICO minimum for 85% LTV purchase/rate-term and 80% cash-out (550 FICO available up to 50% LTV for experienced investors)
- Property Types: 1-4 units, multifamily, mixed-use
Commercial Bridge Loans
Fast, flexible interim financing designed to bridge the gap until your property stabilizes and you secure long-term conventional financing. Perfect for time-sensitive acquisitions.
- Purchase: Up to 80% LTV of current market value
- Refinance: Up to 70% LTV cash-out available
- Loan Amounts: $500,000 - $10,000,000
- Terms: 12-24 months, interest-only options
- Closing: Typically within 30 days
- No Prepayment Penalties: Exit anytime
Mixed-Use Property Financing
Specialized financing for properties combining residential and commercial spaces. We understand the unique challenges of mixed-use investments and provide tailored solutions.
- Flexible LTV: Up to 75% based on property type
- Loan Amounts: $250,000 - $5,000,000
- Terms: 5-30 year options available
- Property Types: Retail/residential, office/residential combinations
- Underwriting: Based on combined cash flow analysis
Ground-Up Construction Loans
Streamlined construction financing for developers and investors. We understand the urgency of getting projects started and work efficiently to close loans quickly.
- Financing: Up to 80% Loan-to-Cost (LTC)
- Loan Amounts: $200,000 - $10,000,000
- Terms: 24-month construction period
- Credit: Minimum 680 FICO score
- Requirements: City-stamped approved plans required
- No Tax Returns: Simplified documentation process
Why Choose ES Financial?
Three core values that define our approach to investor lending
Dependability
With 22+ years in the industry, we deliver consistent results and reliable funding when you need it most. Our track record speaks for itself.
Honesty
Transparent communication and straightforward terms. No hidden fees, no surprises. We believe in building long-term relationships based on trust.
Integrity
We do what we say we'll do. Our commitment to ethical lending practices and investor success guides every decision we make.
Our Streamlined Process
From application to closing in four simple steps
Initial Consultation
Discuss your investment goals and property details with our team
Application & Review
Submit documentation and we'll review your loan scenario
Underwriting & Approval
Fast underwriting process with clear communication throughout
Closing & Funding
Quick closing process to get your investment funded
Ready to Get Started?
Contact us today to discuss your investment financing needs
Send Us a Message
Contact Information
Prefer to reach out directly? We're here to help answer your questions and discuss your investment financing needs.
Location
New York, NY
Serving All 50 States
Quick Response Time
We understand that timing is critical in real estate investing. Our team is committed to providing fast responses and efficient processing for all inquiries.
Frequently Asked Questions
Find answers to common questions about DSCR loans, credit requirements, and refinancing options.
Still have questions? We're here to help.