Connect with Lending Options
At ESO, we know time kills deals. That’s why our lending division is designed to help investors move quickly and confidently with short-term, interest-only loans tailored to your investment strategy.
Whether you’re flipping a property or holding it through renovations, ESO Lending provides 6- and 12-month loan options:
- 6-Month Loans → Low fees, up to 90% loan-to-value (LTV) on acquisition.
- 12-Month Loans → Flexible terms, up to 90% LTV when funding both acquisition + rehab costs.
- 100% rehab financing
- Full ESO Market Coverage
Our programs are built around the realities of investing, giving you more leverage and more opportunity without unnecessary hurdles.
In real estate, speed matters.
Our streamlined, asset-based approach means you’ll get an answer in under 24 hours — so you can act fast before the next deal slips away.
Here’s how we make it possible:
- Asset-Based Lending → We focus on the property, not your personal finances.
- No Credit Checks → Your FICO score isn’t part of the decision.
- No Tax Returns Required → Keep your personal finances private.
- Funding Start to Finish in 24 Hours → From application to funding, we move at your pace.
- No Prepayment Penalties → Pay off early without extra cost.
Working with ESO + ESO Lending means more than just getting a loan.
You’re partnering with a team that:
- Has acquired 50,000+ investment properties nationwide
- Understands every stage of the investment lifecycle (acquisition, rehab, management, disposition)
- Provides resources, data, and support to help you grow your portfolio — not just fund it
We’re here as a resource and partner to you and your clients combining the power of ESO’s marketplace with the flexibility of ESO Lending.
Ready to Fund Your Next Deal?
Whether it’s a fix-and-flip, buy-and-hold, or bridge loan, ESO Lending has you covered. Apply once, fund fast, and invest with confidence.
What is Backflip
Whether you’re acquiring your first flip or scaling a rental portfolio, access to the right capital is everything. Backflip is a tech-enabled lending platform built specifically for real estate investors—pairing quick, flexible loans with an app that helps you evaluate deals and manage draws, all in one place.
What you can finance
- Fix & Flip: Purchase + rehab financing with streamlined draws.
- BRRRR / Long-Term Rental: Transition from rehab to 30-year rental loans (rate/term or cash-out).
- Bridge / Short-Term: Time-sensitive acquisitions and auction buys.
- Portfolio Growth: Repeatable capital for experienced operators.
Why investors choose Backflip
- Speed that matches the market: Fast pre-quals and clear closing timelines.
- Built for operators: Rehab-friendly draws and project tracking.
- Clarity from day one: Transparent terms and requirements - no guesswork.
- Tech + team: An investor app backed by real humans who’ve seen thousands of deals.
Backflip Resources for Investors
- Beyond funding, Backflip equips you with tools and education to invest smarter:
Analyzer App – Evaluate deals, run comps, and project ROI right from your phone. - Biweekly Webinars – Learn from experts and stay up to date on investor strategies.
- In-Person Events – Connect with other investors at meetups in select markets across the U.S.
- These resources are free for Backflip members and designed to help you make better decisions, faster.
High-Level Loan Terms
Backflip offers competitive, investor-friendly financing. Final terms depend on experience, credit, and the deal itself, but here’s what you can expect at a glance:
- Up to 95% LTC (purchase + rehab)
Interest rates as low as 8.5%
Origination starting at 1.5% - For exact numbers, submit a non-binding quote request and our team will get back to you quickly with tailored terms for your deal.
How it works (3 steps)
- Apply in minutes – Share your experience, target markets, and recent deals.
- Get pre-qualified – Understand your buying power and loan options fast.
- Close & renovate – Backflip funds the purchase and rehab, with simple draw requests.
Who it’s for
- Active or aspiring real estate investors
- Flippers, BRRRR/rental operators, and small portfolio owners
- Individuals or LLCs seeking repeatable, project-based capital
What to expect after you click “Get pre-qualified”
- No-pressure intake: Basic info about you and your investment goals
- Document checklist: ID, entity docs (if applicable), deal details, rehab scope
- Clear next steps: A Backflip specialist will outline timing and remaining items
FAQs
- Do I need an LLC?
You can apply as an individual or entity. Many investors use an LLC for liability and banking. - How fast can I close?
Timelines depend on the deal and documentation, but Backflip is built for competitive offer windows. - Are rehab funds included?
Yes - eligible fix & flip and BRRRR loans include rehab budgets with straightforward draws. - Will Backflip work with first-time investors?
Experience helps, but strong deals and preparation matter most. Apply to see what’s possible. - What markets are supported?
Backflip lends in all states besides: Nevada, Utah, Idaho, North Dakota, South Dakota, and Vermont - Ready to fund your next deal?
Backflip can pre-qualify you quickly so you can write stronger offers and move with confidence.
Buy Your Next Home Before Selling Your Current One
With Arrival Home Loans, one loan does it all — it unlocks the equity in your current home and funds the purchase of your new one. That means you can buy your next home first, move once, and sell your existing property later — on your terms.
Our Buy Before You Sell Bridge Loan gives homeowners the freedom to move without the stress of selling first. Unlike traditional financing, Arrival’s bridge loans are designed around your equity, not your income. There are no debt-to-income restrictions, no income verification requirements, and no appraisals in most cases — making it simple, fast, and accessible.
With financing available for up to — and even over — 100% of your new home’s purchase price, you can compete confidently against all-cash or multiple offers. Plus, with a quick closing process that often takes 20 days or less, you’ll have the flexibility to act quickly and secure the home you want.
Move once. Skip the contingency. Unlock your equity and your next opportunity with Arrival Home Loans.
What You Can Finance
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Buy Before You Sell Bridge Loan for Primary Residences – Use equity from your current home to purchase your next home before it sells.
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Move-Up or Downsize – Transition seamlessly between homes without disrupting your lifestyle.
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Second Homes – Purchase a second residence or vacation property without waiting for a sale to close.
- Easy to Qualify - No conventional debt-to-income restrictions.
- Maximize Borrowing Power - Finance up to and even over 100% of the purchase price of your new home.
- Move Once – Avoid temporary housing and double moves.
- Non-Contingent Offers – Compete with all-cash buyers.
- Speed & Simplicity – Close in as little as 20 days or less.
- Flexible Terms – 11-month interest-only bridge loan with no prepayment penalty.
- No Income Verification Required - In most cases.
- Peace of Mind – Keep your current home listed or staged to sell for the best price.
High-Level Loan Terms
- Loan Term - 11 months interest-only
- Minimum FICO - 680
- Appraisal - Not required in most cases
- CLTV - Up to and even over 100% of new home price
- Occupancy - Primary residences & second homes
- Income Verification - Not required in most cases
- Prepayment Penalty - None
How It Works (3 Steps
- Apply in Minutes – We’ll review your equity and help you understand your buying power.
- Get Approved Quickly – Receive your bridge loan approval—no appraisal or income verification needed in most cases.
- Close & Move Once – Purchase your new home first, then sell your current home when you’re ready.
- Homeowners looking to buy before they sell their primary or secondary residences
- New construction purchasers
- Homeowners with substantial equity, but limited or difficult-to-document income
- Families needing flexibility to relocate or downsize
- Buyers competing in fast or cash-heavy markets
FAQs
- Do I need to sell my current home first?
- No—our bridge loan allows you to buy first and sell later.
- Can I keep my current home listed while applying?
- Yes. MLS listings do not affect eligibility.
- Do you verify income?
- In most cases, no additional income verification is required.
- How long do I have to sell my home
- The loan term is 11 months, but you can pay it off anytime without penalty.
- Is this available nationwide?
- Arrival currently lends in select states—contact us for current availability.
Unlock your home equity and purchase your next home before you sell.What to expect after you click “Get pre-qualified”
Transactional Funding for Double Closings
Velocity Advantage Capital (VAC) is a transactional funding partner built by wholesalers, for wholesalers. VAC specializes in funding double closings so investors can keep their numbers private, protect their spread, and close with confidence.
This partnership ensures ESO investors have access to fast, reliable funding when assignment isn’t an option—or when protecting profit matters most.
Why ESO Partners With VAC
Together, Easy Street Offers + Velocity Advantage Capital help investors:
- Protect assignment spreads by keeping fees off the HUD
- Avoid buyer renegotiations caused by visible profits
- Close more complex deals that require double closings
- Maintain credibility with buyers and title companies
- Execute faster with a wholesaler-focused funding partner
VAC wires funds directly to the closing company, enabling seamless same-day double closings without exposing your margins.
Built by an Active Wholesaler
VAC was founded by Peter Russell, a real estate investor with over 9 years of wholesaling experience. He has been involved in 800+ transactions and has funded 300+ double closings, deploying $65M+ nationwide.
VAC was created to solve a real problem wholesalers face at the closing table: buyers attempting to renegotiate once they see the assignment fee.
Simple, Fast, Secure Process
- Submit your deal with property and closing details
- $250 initiation fee secures your funding slot
- VAC wires funds directly to the closing company
- Profit is disbursed after the second closing
No unnecessary steps. No exposure of your numbers.
Transparent Pricing
VAC offers clear, deal-size-based pricing with no hidden fees:
- Flat fees for smaller deals
- Percentage-based pricing for larger transactions
- Initiation fee applied at closing
Designed to be predictable, fair, and wholesaler-friendly.
The ESO Advantage
With Easy Street Offers’ deal flow and VAC’s transactional funding, investors gain:
- Higher close rates
- Stronger negotiating leverage
- Fewer deal fall-outs
- Greater confidence at closing
This partnership exists to help ESO investors close smarter, faster, and more profitably.
👉 Learn more or submit a deal:
