Business Details
Your Trusted Partner for California Private Real Estate Loans
HCS Equity has been a trusted private real estate capital investor in California for over two decades. We specialize in providing asset-based lending solutions for residential and commercial properties, catering to trusts, estates, and real estate investors. Our expertise spans trust and estate equalization loans under Proposition 19/58, reverse mortgage payoffs, fix-and-flip financing, 1031 exchange gap coverage, bridge loans, and second trust deeds. With a focus on swift approvals and funding within 7-10 days, we leverage our own capital to deliver competitive rates and flexible terms.Our team of seasoned professionals prioritizes direct communication with borrowers, ensuring personalized service and tailored financial solutions. Backed by extensive industry experience and a commitment to transparency, we serve as a reliable resource for property owners navigating complex transactions across California.
Services
Trust Loans
Estate Financing
Reverse Mortgage Payoff
Fix and Flip Loans
1031 Exchange Funding
Bridge Loans
Second Trust Deeds
Highlights and features
- We offer over 20 years of experience in California private real estate lending.
- Our team provides direct lender access with final decision-makers available 24/7.
- Competitive rates and terms with no prepayment penalties or minimum interest.
- Funding available in as little as 7-10 days for urgent real estate transactions.
- Specialized expertise in Proposition 19/58 trust estate equalization loans.
What people say
Swift approvals
No prepayment penalties
Expert Proposition 19 guidance
Direct lender access
Competitive rates
Services
Trust and Estate Loans
HCS Equity provides specialized loans for trusts and estates navigating probate or asset equalization under California's Proposition 19/58. These asset-based loans enable beneficiaries to maintain property ownership while distributing assets equitably. Our streamlined process delivers funding in 7-10 days with competitive rates, no personal guarantees, and flexible terms tailored to complex estate needs.
Reverse Mortgage Payoff
We offer short-term financing to settle reverse mortgages after a homeowner's passing. This allows estates to retain property during probate while securing long-term financing. Our loans feature interest-only payments, no prepayment penalties, and funding up to $3 million to cover payoff amounts and property improvements.
Fix and Flip Loans
Designed for real estate investors, these hard money loans finance distressed property acquisitions with as-is valuation. Loan amounts up to $2 million support purchases of properties requiring renovation, including those with code violations or fire damage. Flexible terms include cross-collateralization options and 12-24 month terms.
1031 Exchange Loans
Bridge financing solutions for investors deferring capital gains taxes through like-kind exchanges. We fund forward and reverse 1031 transactions up to $4 million within 15 days, working directly with qualified intermediaries to meet strict IRS deadlines while offering flexible repayment terms.
Bridge Loans
Short-term loans addressing temporary capital gaps in commercial or residential property transactions. With loan amounts from $30k to $3M and rapid approval, these loans support time-sensitive deals requiring immediate liquidity before permanent financing secures.
People
Justin Aldi
Founder/CEO
Justin Aldi brings over 20 years of California real estate investment experience to HCS Equity. As founder, he specializes in structuring complex trust and estate financing solutions while maintaining direct client engagement.
Jordan Must
Co-Founder
Jordan Must co-founded HCS Equity with expertise in distressed property acquisitions and rehabilitation projects. He oversees loan underwriting and ensures alignment with the company's conservative lending principles.
Ben Heilig
Managing Partner
Ben Heilig manages client relationships and loan origination as Managing Partner. With deep knowledge of California's probate lending landscape, he guides clients through trust loan processes and equalization strategies.
Questions
What loan options exist for trust estates under Proposition 19?
HCS Equity offers specialized trust loans to facilitate asset equalization while preserving property tax exclusions. Funding from $30k to $3M available within 10 days with no personal guarantees required.
Can I repay a reverse mortgage payoff loan early?
Yes, all HCS Equity reverse mortgage payoff loans have no prepayment penalties or minimum interest commitments, allowing full repayment at any time.
What credit requirements apply to fix-and-flip loans?
We focus on property value and exit strategy rather than credit scores. Borrowers must demonstrate 35% equity and proof of rehab funds for loan approval.
How quickly can 1031 exchange loans close?
Our 1031 exchange financing closes in as few as 15 days, with loan amounts up to $4 million supporting forward and reverse exchange structures across California properties.
Do you lend on properties with code violations?
Yes, we specialize in financing distressed properties including those with red tags, fire damage, or incomplete construction that traditional lenders typically reject.
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