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

Colorado Fix and Flip Loans

If you’re just starting to get into the art of the fix and flip, you likely already know that you need a loan to get started. However not all loans are created equally. To get through the flipping process as smoothly as possible, you’ll need to choose the loan that makes the most sense for your needs.

Fix and Flip Loan Options

There are several different options to choose from as you look into the best financing solutions for your upcoming fix and flip. Whether this is your first flip or you’re fifteenth, the right funding options will help you build your portfolio and bolster you experience in real estate investing. The following solutions are the best options for flippers:

1. Friend or Family Loans

Though borrowing money from friends and family members is a bit of a challenge, this option is a valid one for borrowers that know people that want to invest in real estate. By pulling on their personal connections, these borrowers will be able to fund their flip. If you do choose to go this route, be sure to get the deal in writing and follow any laws relating to family investments.

2. Pooling Money with a Financing Partner

Two are better than one in the case of finding funding with a financing partner. Partners can fund the financing between each other, depending on what each person bring to the deal. Ultimately, the partners will be able to share the profits once the renovations are complete.

3. Home Equity Loan or a Line of Credit

Flippers that are homeowners can use this option if they have 20% or more equity on their residence. Borrowers that tap into their equity to fund their flip will be able to get a line of credit or home equity loan. With access to this funding, they will be able to draw from the loan as they need the money.

4. 401 (k) Financing

Borrowers that have a fair amount of retirement savings that aren’t close to or of retirement age would benefit the most from this option. With 401(k) financing, borrowers can take a loan out of their 401(k) and fund their flip. With most employers, employees can take out a 50% loan or up to $50,000 from the 401(k) balance. In a similar fashion, other flippers take loans out of their life insurance policies.

5. Personal Loans

If borrowers in Colorado have good credit, they can take advantage of this financing option. With this financing solution, borrowers with a credit score higher than 650 will be able to fund their flip with an unsecured loan. However, these loans are typically small, so it is likely that borrowers will have to combine this option with another.

6. Seller Financing

Though unconventional, this method is feasible if the seller is willing to structure the sale. Seller financing involves the flipper asking the the seller to fund the flip. As most homeowners want an immediate turnaround from their flipped home, not every seller is open to this option.

7. Hard Money Loans

Hard money loans are better for borrowers that are struggling with credit that haven’t been able to find alternative methods for financing. Hard money loan lenders charge more interest, so this option isn’t as affordable. If you must use a hard money loan, try to use it for the short-term as you search for other financing solutions.

8. Business Line of Credit

Bank financing is a viable option for experienced flippers that have a successful history of bringing in regular income from their flipped homes. With a commercial or business line of credit, seasoned flippers will have ample funding for flipping. Though they have access to a set amount of money, they only need to pay back the amount that they use.

As you consider which method will best meet your needs, remember that you can combine one or more of these methods to ensure you are able to fund your flip. Keep this guide in mind as you embark on your next fix and flip.


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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