A 30-year fixed structure for the LLC borrower the bank won't underwrite. 1.0× DSCR, no W-2, no balloon, no refinance pressure. The cost of hard money without the trapdoor.
Banks want your W-2 and won't lend to your LLC. Bridge lenders charge 10–14% for 12 months and forces you to scramble for a refi. EquityBoost is the loan that should have always existed.
1.0× DSCR on the appraiser's market rent opinion. No W-2s. No personal DTI. Existing rentals don't disqualify the file. We underwrite the asset.
Bridge loans force you into short terms and balloon payments, demanding a refi exactly when market conditions work against you. EquityBoost uses a Declining Finance Charge — it steps down each phase as your balance drops, so more of every payment builds equity. Fixed for 30 years. No clock. No scramble.
Unlike a conventional mortgage, EquityBoost pays down more principal from month one. Same payment. More ownership — every year you hold.
$320,000 Iowa investment property loan. Here's exactly how EquityBoost compares to every real alternative on the market today.
| Criterion | Bank / conventional | Traditional bridge loan | National DSCR |
EquityBoost ✦
30-yr fixed · DSCR 1.0×
|
|---|---|---|---|---|
| Declining Finance Charge | Front-loaded interest | High cost · balloon required | Higher monthly cost | –/mo · Yrs 1–5 Declining Finance Charge · same total pmt |
| Term | 30 years | 6–18 months | 30 years | 30 years |
| Balloon | None | Required | None | None |
| Personal income docs | Required | Sometimes | Varies | Not required |
| LLC borrower | Rarely | Yes | Yes | Required |
| Equity build (yrs 1–10) | Standard | Interest-only — none | Standard | ~1.2–1.3× conventional |
| Assumable to a buyer | No | No | No | Yes — every loan |
EquityBoost is built for investors who want to hold and build equity. ExitFirst is built for investors with a clear exit plan — lower payment, maximum cash flow, balloon at sale. Same DSCR underwriting, different strategy.
The 30-year play. Build equity every month. No balloon. No clock. No refinance scramble.
* $400,000 purchase · 20% down · $320,000 loan · flat property value · no appreciation assumed · figures update with current financing charge · not a commitment to lend
Apply for EquityBoost →Interest-only payments for 5 or 7 years. Maximum monthly cash flow during your hold. Full balloon due when you sell or refinance.
* $400,000 purchase · 20% down · $320,000 loan · IO payments only · full balance due at balloon · figures update with current financing charge · not a commitment to lend
Learn about ExitFirst →From first conversation to funded loan. No W-2s, no personal tax returns, no DTI worksheet. Just your property and your plan.
Property profile, LLC information, target loan. Confirms range before anyone pulls credit. Five minutes.
Independent Iowa appraiser provides valuation and market rent opinion. Rent supports 1.0× DSCR? File qualifies.
Declining Finance Charge locked. Terms confirmed. Commitment letter issued within five business days of a complete file.
Closing through Iowa Title. ACH-serviced fixed payment. Loan is assumable on a qualified resale.
Enter your property details. See your monthly payment, how much equity you build vs a conventional loan at every year, and whether your rent qualifies at the 1.0× DSCR threshold. All figures update daily with the current financing charge.
| Year | EB Equity | Conv Equity | EB Ahead |
|---|---|---|---|
| Enter loan details above | |||
Traditional bridge lenders put Iowa investors on a 12-month clock. Every deal ends in a scramble — sell, refinance, extend, or default. EquityBoost removes the clock entirely. Lock your Declining Finance Charge once and run your rental business on your timeline.
Tell us about your property. No W-2 required. No personal DTI. Just your Iowa investment property and your plan.