Fast Hard Money Loans For Experienced Investors

Delancey Street provides hard money loans nationwide to investors who have a verifiable track record. We fund up to 70-80% LTV, and focus on residential projects such as: buy and hold, fix and flips, and commercial real estate acquisitions. The biggest factor we look at is the experience of the investor and the LTV of the project they're requesting assistance with.

80% LTV

We fund loans up to 80%
LTV with no issues.
We DO NOT do 100% financing.


We promise to treat you
like a partner.
We don't like wasting time

No $ Limit

No limits on what we can
do for you.
We max out at 80% ARV.

70-80% LTV For Seasoned Developers Nationwide

Fix and Flip, Cash-out Refinance, and Acquisition Loans
For Experienced Real Estate Developers.

We Fund Real Estate Projects Nationwide

We fund projects nationwide, ranging from fix and flips, to commercial acquisitions. Bottom line, we can help - regardless of the size, or difficulty of the project. We do not do 100% financing - and prefer working with experienced real estate investors.

Recently Funded Projects

Hard Money

Financing for fix and flips, commercial estate, and acquisitions / refinancing
Financing up to 70% of the After Repair Value
We charge 9-10% on average, with no junk fees

North Carolina Fix and Flip Loans

Finding a funding source for a fix and flip home isn’t limited to loans. Funding your project means you need enough cash and you need to profit. A funding source for a project in North Carolina may mean applying for a hard money loan, a personal loan, or finding a partner to fund the project. A business plan for the house you want to fix and flip is necessary before you look for funding sources.

Your business plan should include information about your property and the neighborhood. You should also include comps for the area. Your timeline and costs are the part your business plan that a seller will study the most. To make sure you get enough money for all your costs, hire an appraiser and contractor to help you produce your estimates. Include all your expected costs for the house flip in your business plan.

Expected Costs:

  • Cost of the house.
  • Costs for owning the home (HOA, utilities, payments).
  • Fees for real estate agents.
  • Closing fees.
  • Materials and labor for the renovation.

When you have a good business plan, you are ready to fund your project. Networking is an important part of sourcing funding. If people in the real estate community know and trust you, you can spread the word every time you have a new project. While this may not get you all the money you need there are benefits to knowing others in the community where you choose to fix and flip houses. You may find a partner or a mentor while you are networking with other real estate investors and professionals.

Funds for Your Fix and Flip House:

  1. Acquaintances

    The people you know may produce the funds you need. Family, friends, and other acquaintances are a wonderful way to practice presenting your business plan for funding. Real estate is known as a promising investment and many people are interested in short-term profits.

  2. Partner with Someone

    Sometimes it is easier to fix and flip a house with a partner. Not only can they help fund the project, but they may offer the support you need to complete the flip. If they have contacts or can mentor, you on your first project a partner is a comfortable way to get your business started. Determining how much you want your partner involved is something you would both agree on and put in a contract.

  3. Use Your Home Equity

    If you have more than 20% equity in your home, you may want to apply for a loan or a line of credit. A loan is a bulk sum, while a line of credit is money you draw on as you need it.

  4. 401k

    Check your 401k and see if you can take a loan against it. You may be able to take 50% or up to $50,000. When your fix and flip is done you can pay off the amount of your loan and keep your retirement intact.

  5. Personal Loans

    A personal loan may fund your project up to $50,000. You can use this loan for anything and take three to seven years to pay it back. A credit score above 650 is ideal for a personal loan.

  6. Seller Financing

    An owner financed property can help you produce the bulk of what you need to fix and flip a house. They should still see your business plan, and everything needs to be in writing. Offering a balloon payment at the end of your fix and flip may help you get the seller to finance short-term.

  7. Hard Money Loans

    A hard money loan is a loan you can apply for through private investors or individuals. They are easier to get than a loan with a bank. These loans usually last for a year and charge a higher interest rate.

  8. Business Line of Credit

    A business line of credit for a property in North Carolina is usually obtained by seasoned investors. It is like a home equity line of credit in the way that you draw out what you need. Good credit and an extensive portfolio are required for a large credit line.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
$250,000 Hard money Loan

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