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

Indiana Fix and Flip Loans

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Fixing and flipping real estate is rising in popularity among investors. Although you can profit handsomely from flipping homes, there are some significant roadblocks to get started. The biggest hurdles are cash and financing. The good news is you have an array of options to finance your first fix and flip property. Here are the most common types of loans to get you started in your real estate flipping journey.

Home Equity Loans/Line of Credit

If you have a minimum of 20 percent equity in your primary home, you can gain access to that cash using a home equity loan or line of credit. These loans offer a way to draw from a pool of funds to get started flipping homes.

Equity is the current value of your home versus how much you owe on your mortgage. For example, if the current market value of your home is $100,000 and the principal balance of your mortgage is $80,000, you have 20 percent equity in your home. You can take out a home equity loan or line of credit to get cash for a fix and flip property.

Personal Loans

If you do not need a lot of money to finance your first investment, you can opt for a personal loan. The interest rate on these loans are very reasonable, but they do require that you have a good credit score. A big benefit attached to personal loans is you can use the funds for practically anything you want.

Most personal loans cap how much you can borrow at $50,000. So, if you want to start small with your first deal, a personal loan is a good place to start. The terms on these loans range from three to seven years, so it is beneficial if you are an investor who does not want to be tied into long-term financing.

Owner Financing

Also known as seller financing, this scenario lets you finance the purchase of a home directly through the seller. Instead of qualifying for a traditional mortgage from a bank, the seller lends you the money. You then make monthly payments directly to the seller.

Just like a regular mortgage, you will need to make a down payment and pay interest. The loan will come with repayment terms, and you must have an agreement with the seller in writing. It is entirely up to you and the seller to come up with terms of the loan, but owner financing gives you an opportunity to structure terms based on your own unique financial situation. Traditional mortgages are not built for your own convenience.

Hard Money Loans

These loans are popular among real estate investors. Instead of receiving funds from a bank, these funds come from private investors. One of the biggest benefits is the qualification requirements are not as strict as regular lenders. Hard money lenders typically do not approve you for financing based on your credit, income or assets. Instead, you qualify based on the value of the investment.

The terms for hard money loans can range from one to two years. Also, you do not receive the loan proceeds in one lump sum payment. Hard money lenders give you a portion of the loan proceeds as you complete renovations on your fix and flip. You will only pay interest on the funds you use from the loan to complete repairs. Once all renovations are complete, the principal balance of the loan becomes due.

Final Thoughts

This is only a short list of the loan options you have for fixing and flipping properties. Crowdfunding platforms, 401(k) loans and loans from family and friends are other options to choose from. You can also use a combination of these loans to flip your first property, or you can go through traditional lenders to finance your real estate investments. No matter what avenue you pick, that cash barrier is not as big as you think.

You’ve heard people talking about it at work. There have been ads on television and the radio about seminars that can teach you how to do it yourself. It’s fixing and flipping homes. You want to give it a go. First, you need to find out how you can get started. You don’t have the money to purchase property of interest, but you know it will be worth the potential profit. Think outside the box. You can take that diamond in the rough, give it some polish, and put extra money in your bank account when you make your sale. While it’s true that you will need to find resources for your initial investment, you’ll get it all back and then some in the end.

Be Prepared for How Much You Will Need to Borrow
Before you start looking for lenders or sources of income to purchase property, do your homework. Get an estimate of how much you will need to borrow. You won’t only need money for the initial purchase of the property. You’ll need to have enough finances for expenses incurred while you own the home, including insurance, utilities, and other fees while you are renovating the house. You need to figure out how much your renovations are going to cost. Never shoot low. When you’re working with a contractor, expect to pay more than your initial quote. Don’t forget costs involved as you work with a real estate agency once you are ready to sell.

What are Good Sources for Fix and Flip Loans?
A traditional mortgage with the bank is not the way to go when you are planning on flipping a home after renovations. The bank is looking for a long-term investment and is unlikely to have a lending program that will suit your needs. You’re going to need to consider other alternatives. A loan from your friends or family could be a good place to start. If you know someone who has the resources, you may be able to work out a deal to finance your business venture. As a token of appreciation, you could share some of your profits after your sale. You want to stay on your potential lender’s good side. You might take the plunge again in the future.

Go in On a Fix and Flip Project with a Business Partner
Whether you work with a family member or a friend to get the money for your fix and flip project, consider being true partners. Plan on splitting the profits equally once your sale is finalized. If you are going to go this route, work with a lawyer and put it in writing. Make sure you keep your promises. You don’t want to have a falling out with someone who is helping you on what could be a thriving business for the both of you.

Tap Into Traditional Lending Sources
A home equity loan or personal loan may be sufficient for your fix and flip project. You may have some money available, but need extra for that final push. You can borrow against your own home when you are looking for a larger amount for your loan. Personal loans are typically smaller, but may be enough when combined with other sources.

Use Your 401{k}
Many people borrow against their retirement plan at work for various reasons. If you have a great deal of confidence in your fix and flip project, your retirement plan could be the best source of funding for you. As soon as you sell your home, you can put the money back, ensuring your retirement won’t be affected.

Go for a Hard Money Loan
A hard money loan could be the ticket for you. You’ll work with a private investor to get the cash you need when you need it most. You’ll be borrowing against the value of a piece of property. It could be the value of the property you are purchasing or other property that you own. This is a short-term loan. You may be expected to pay it off as early as a year unless you negotiate for longer terms, such as two years. Five years would be the maximum.

Try Seller Financing
Seller financing is when the person selling the property lends you the money to make the purchase. It could be a highly profitable arrangement for the both of you in the end.

Get a Business Line of Credit
If you own a business, you can get a loan of credit that is based on the value of your business. Your fix and flip projects could be considered your business, especially if you prove you have had a successful track record.

Make Sure You Have a Solid Business Plan Before You Get Started
You have a variety of sources that can help you to finance your fix and flip loan. Make sure you have a business plan that has been thoroughly prepared before you get started. Include your costs, your renovation team, and real estate agents that are going to help you make your fix and flip a success. Once everything comes together, you will be well on your way.


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.

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