New Jersey Fix and Flip Loans

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity

High LTV

We fund loans up to 80-90% LTV with no issues.


We promise to treat you like a partner.

No $ Limit

No limits on what we can do for you.

Recently Funded Projects

Residential Refinance
Residential Refinance

Residential refinance in Los Angeles, with a loan amount of $830k, at 75% LTV. We were able to help the investor get a loan at 8.99% with a balloon payment after 18 months.

8.99 %
100% Funded!
Residential Investment
Residential Investment

Delancey Street funded a new residential purchase in California, for $1.2 million with 82% LTV. We helped the developer with a loan at 11% with a balloon payment in 9 months.

11 %
100% Funded!
Residential Investment
Residential Investment

Property in New York was torn down, and redeveloped. We provided a 60% LTV loan for $700k. We charged no upfront fees, and had a balloon payment after 10 months.

9.0 %
100% Funded!

Hear from people we’ve helped

“Delancey Street makes lending easy. They took a chance on me when no one else would.”

- Leo kovacz

Industries We Service

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

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questions. Contact us anytime:

New Jersey Fix and Flip Lender

Finding a loan via a standard lender can be a real hassle, especially once you’ve got a questionable credit history. With a very low credit score, it might take you weeks or months to be qualified for mortgage. It isn’t important that sometimes you’re in severe need of funding. Hard money lenders, on the other hand, think about the security you’re giving up as opposed to your financial capability to pay the loan back. Hard money loans are usually meant to help companies with funding or purchase a commercial property. In the event you neglect to repay the funds lent to you, the hard money lender will take over the collateral and sell it to receive their funds.

Fix and flip loans are great for investors that wish to renovate or improve a property property prior to flipping it at a higher cost. Real estate investors are able to sell it at a profit and repay the borrowed cash in a brief period of time.

Fix and flip loans, like any other financial product, come with their own benefits and pitfalls. The info below discusses a few of the advantages and disadvantages of fix and flip loans.


Fix and flip lenders aren’t concerned about your credit score. Hard money lenders are only worried about the asset and will process your loan fast if if you can prove the value of your collateral. It’s very important to be aware that hard money lenders aren’t always interested in taking ownership of your property. They’re quick because they spend less time checking your income, bank statement, along with other specifics. They exclusively worry about the potential value of your property.


Contrary to standard loans, hard money loans are flexible. Rather than dealing with a huge corporation, you’ll be speaking to an individual who’s prepared to work with you. They don’t have standardized guidelines when it comes to evaluating requests. Fix and flip lenders evaluate each situation individually, and look to see whether your unique opportunity will succeed or not.


If you would like to purchase a real estate investment property, the fix and flip lender will provide you a loan worth 70-80% of the property value. In contrast, traditional lenders offer loans up to 90-100% value of the property. Fix and flip lenders want to lower their risk, and thus offer a lower amount.

In case you’ve had difficulties with your credit history, that won’t be a problem. Most fix and flip lenders do not even look at your credit score.

In terms of loan-to-value ratios, hard money lenders keep them to the minimum with the maximum being between 50 and 70 percent. They do so to give themselves a better chance of getting their money back. In the event you don’t repay your loan, lenders have the right to liquidate your property in order to get their original investment back.


It is possible to apply and receive a New Jersey Fix and Flip loan in a matter of weeks. This is valuable, particularly to for real estate investors who need to finalize their deal in a short period of time. Most buyers won’t wait for months – for your financing to be approved. They’ll take the first deal that comes their way.


Repayment period

Contrary to traditional loans that have longer terms, hard money loans have been made as a short term lending instrument. This usually means that you will need to pay back the loan in the shortest period possible. In the event you take too long to repay the loan, the fix and flip lender has the legal right to take possession of your property and sell it

Increased expenses

Compared to traditional loans, hard money loans tend to be more expensive. In addition to the loan origination fee, you’ll also pay closing and service fees. Should you take a hard money loan, you may see interest rates 5-10% higher than a traditional loan. This is a strategic tradeoff for most real estate investors. Many people who consider a fix and flip loan would not otherwise qualify for traditional financing. The high interest rate charged by fix and flip lenders is due to the risk they’re taking on you.

Before giving you a hard money loan, lenders ask that you provide a deposit of around 25-30 percent. This is an incentive to motivate you to adhere to the deal. Bottom line, they want to make sure you’ll complete the project. If they see you have equity in the project, the New Jersey fix and flip lender knows you’ll probably complete it in order to get your own investment back. In addition, many fix and flip lenders will insist on you paying 20-30% – since it lowers the real estate investors risk.

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5 based on 1 votes
Service Type
Fix and Flip Loans
New Jersey
Delancey Street provides New Jersey Fix and Flip Loans.

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