EfundingExperts Real Estate Capital

Obtaining capital for your Real Estate Investing Needs.

Invest in Real Estate With Confidence through our Lending Platform for Real Estate Investors. We offer a variety of programs that will fit your needs.

The fees you pay affect your bottom line. Our rolodex of funding partners are immense and this helps us reduce costs, which means we can charge lower fees, so you can maximize your returns.

Sooner or later, we all run out of our own money to invest in real estate deals. This is why having the ability to raise private money for real estate investments is one of the most important skills you can develop as a real estate investor. Here at Efunding Experts we have you covered.


Sounds Complicated? Obtaining Capital Is As Easy As Picking Up The Phone!

Are you worried that requesting capital will be too expensive or complicated? Don’t be! We have streamlined our process.

We offer the best value and fastest results, no matter what your circumstances are.

Curious about our process?

It starts with a phone call or visit to our website. We’ll get some basic information from you. After that, we’ll take over.

  • We perform a deal evaluation on your request and comb through it, looking for ROI, discrepancies, and other information.We’ll keep you informed every step along the way.
  • ​We’ll keep you informed every step along the way while we’re reviewing it internally.
  • Within 24 hours, you’ll receive an update on what we have to offer based on the basic information you provided and if it makes sense we can move through the process.


Gap Financing For Real Estate Investors

Are you looking for an experienced and flexible partner to help fund your real estate deals? 

Efunding Experts is your Gap Financing solution. We all know that every entrepreneur is different. Every real estate business is unique, and every deal requires an appropriate approach. This is exactly why we don’t offer a one size fits all solution. Instead, we want to give you a variety of real estate investment loan options that you can choose from. We offer multiple types of funds and real estate investment loans, which works best for you and your business. 

When it comes to gap financing, refers to a form of financial loan. which covers time, funding, or negotiation gaps. It also known as Bridge Loan. This loan is used to finance the difference between the floor loan and the maximum permanent loan as committed. 


Down Payment Gap Funding Lenders For Real Estate 

If you’re ready to rent or trying to buy a home, a great first step is to save up for a down payment gap funding. Now the question in your mind is how can you save for a down payment? 

Efunding experts have created a guide for you to help you understand the down payment. Although a down payment is an important part of your home loan. This is a small part of the overall financial picture. Knowing a down payment gap funding amount you’re comfortable with, we’ll help you search for homes within your budget and cut deep into your emergency savings.

What Is a Down Payment?

It is a sum of money that a buyer pays at the initial stage of purchasing an expensive product or service. It represents a portion of the total purchase price, and the buyer will often take out a loan for the remaining amount.

How Do Down Payments Work?

It is the hardest part of the home-buying process. We all know that buying a house costs a lot of money! Fortunately, you don’t necessarily have to drain your savings to come up with the sum. There are other ways to secure it, including gift funds, grants and assistance programs.

A home buyer can make an advance payment of 5% to 25% of the total value of the home. While taking out a mortgage from a bank or other financial institution to cover the rest. A down payment works the same way when buying a car. In some cases, it is non-refundable if the contract is terminated due to the buyer.

Benefits of a Large Down Payment Gap Funding

Making a larger down payment gap funding than you can afford will reduce the amount of interest you pay on your loan. will lower your monthly payments and in some cases make insurance unnecessary. 

Here are the details:

  • Lower rates
  • Lower DTI
  • Buy sooner
  • Premiums
  • Avoid mortgage insurance
  • Emergency fund
  • Funds for other initiatives
  • Money for renovations


The higher your down payment, the less you have to borrow and the less you pay in interest. For example, if you borrow $100,000 for a loan with an interest rate of 5%, you will pay $5,000 in interest only in the first year. The distinction is even greater dramatic withinside the lengthy run. For example, borrowing $100,000 at 5% interest will cost you $93,256 in interest over a 30-year term. If you borrow $80,000 then your total costs will be $74,605. About $20,000 less. A lender may offer you a lower interest rate on your loan if you are able to put more money down because you represent less risk.

Monthly Payments

Likewise, a larger down payment will lower your monthly expenses. For example, a $100,000 loan would require a monthly payment of $537, while an $80,000 loan would reduce it to $429.

Mortgage Insurance

When buying a home, a larger down payment gap funding can help you avoid paying for private mortgage insurance (PMI). which pays back your lender if you default on your loan. If you can put down 20% or more, your lender usually won’t require PMI. If you can’t afford a 20% down payment gap funding and are forced to buy PMI, remember that you can ask your gap lender to waive that requirement once your home equity reaches 20%.

Here Are Some Smart Ways to Bring a Down Payment Gap Financing for a Rental Property

Home equity

One of the best approaches to borrow cash for a down fee on funding assets is to take out a home equity line of credit (HELOC) towards your primary residence. It’s highly affordable and flexible. When you have a variety of equity, you could borrow a variety of money!

Rental Equity

Line of Credit “RELOC” may not be a word, but it’s still a thing. Landlords can take out a HELOC against a rental property instead of their home, if they have enough equity. As with a mortgage, expect higher interest rates and fees on a line of credit against an investment property than a HELOC. Because gap financing lenders risk more, borrowers are more likely to default on investment property loans than on their home loans.


When are you considering borrowing money from your retirement account to cover a down payment gap funding on a rental property? Be careful. 

First, if you know with 100% certainty that you will be able to pay the money back within 60 days, you can withdraw money from your 401(k). As long as you pay it back within 60 days, it doesn’t count as a distribution and you don’t incur the wrath of the IRS with penalties and back taxes and lots of crying.

Roth IRA

Like 401(k)s, you can withdraw money from an IRA penalty-free for up to 60 days as long as you repay it promptly. That’s the same risk with IRAs as with 401(k)s. Another option with IRAs is to use a self-directed IRA to purchase investment property. With that said, it does require you to set up a self-directed IRA with a custodian, which involves some work (and expense).


Another option if you have equity in your home or other rental property is cross-equalization.

What is cross-collet? Cross-collet is known as a blanket mortgage. You can offer your new gap funding lenders for real estate an additional lien on your home as additional collateral. You have applied for a loan to buy a new rental property. They require a 20% down payment (plus closing costs, and cash reserves). You don’t have enough cash, but let’s say you own another property with $100,000 in equity. You tell the gap funding lenders about your equity. They now have two properties secured against one loan and feel confident that even if you default, they can recover their money by closing on both of your properties.

Why do I need a Down Payment?

Your gap lender or seller may set a minimum for your down payment if you don’t finance the purchase. This will be calculated as a percentage of the buying price. Although the amount may be negotiable in some cases, how much you need to scrape together to proceed with the transaction. Putting more money down as described above can lower your monthly payments and total costs. So, if you have to keep your monthly budget below a certain limit, you may have to make a bigger down payment gap funding because of that.

Large Down Payment Alternatives

If a large down payment gap funding is out of your reach, as mentioned earlier, loans with lower down payments are widely available. Although they can become more expensive over time. If you can’t come up with a large payment on a home, a money-saving strategy is to borrow as much as you need. Planning to make additional payments toward your mortgage principal over time. This will reduce the amount you owe. This will allow you to pay off your mortgage faster if that is your goal. You may be able to do this. For example if your income increases over the years, this is often referred to as accelerated payments or accelerated repayments.

We can be flexible and adaptable, we have room to be creative with you and your ideas. In our view, there is no such thing as a ‘hard contract’, just a creative solution in the making! 

So contact us now without any hesitation. We look forward to solving all your problems.