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.

Fast

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

Orange County Fix and Flip Lenders

Orange County Fix and Flip Lenders

Delancey Street is a premier, and trusted, Orange County fix and flip lender. We provide loans for all types of properties across all 50 states. Some of our team members fix and flip properties on the side themselves! We understand the challenges of fixing and flipping – and the opportunity present. If you’re looking to make your wealth through fixing and flipping, you’ll need a real estate investor who can work with you and help you. We believe in helping fix and flippers get the funding they need. In fact, we love working with Orange County real estate investors who fix and flip houses. Many are aggressive and passionate about what they do. It makes them ideal partners for us to work with. We’ve built our business on helping fix and flip investors in Orange County get reliable, transparent, and cost effective loans.

Residential Real Estate is one of the most lucrative of all real estate markets in the United States, and some investors have learned how to make even the most unprofitable of properties profitable through the art of the “flip,” a situation where you take an old, run down property and flip it into a beautiful piece of real estate that will double, triple, or quadruple its value when it’s put on the market. If you have expertise in home repairs and can work on complex residential real estate systems like plumbing, roofing, or renovating, you might have a future in fix and flip investing. The trick is to figure out who is going to invest in YOUR dream in the beginning.

Delancey Street is an Orange County fix and flip lender that believes in people. That means no matter what your credit is, we’re investing in the idea you have, not your credit rating or income. The Fix and Flip can be a lucrative investment for both us and you. We just need to see what your vision is first. What property are you interested in? What are your plans for increasing its value? And how can our hard money lending services help you achieve the turnover that you want to achieve?

Flipping Houses
If you haven’t seen the highly creative television programs on this subject, you’re in for a real treat. This might be your first flip or your 100th, but there’s always something more to learn about how to increase the value of a very cheap property and then put it up for resale later on. Houses aren’t the only thing on the market that you can flip, either. There are commercial office buildings, rental units, and even warehouses that have lost their value over the years and might benefit from your flipping skills.

Delancey Street staff believe in your dream, but we can’t support you in your dream if you don’t contact us and tell us your business plan. You may be in the initial stages of trying to figure out which property to flip. We can work with real estate agencies and you to make sure that you buy a property that is going to be profitable to you and to us. Since we benefit from the sale as well, generally we want you to keep us updated on every stage of your business plan. And the problem is that many people who might be masters at flipping houses know very little about the financial end of the arrangement. That’s where our expertise comes in.

Hard Money Investments
If you want to fix and flip a house, you’re going to need what’s called a hard money loan. This means that your property is going to serve as your collateral for the loan, and we can lend more money to you if you have a solid flipping model that will show us that you’re going to make a profit on your purchase. Many people can take a $20,000 house, throw a few thousand dollars worth of work into it, and transform that property into a $100,000 piece of property in a year’s time or less. We’re the people who can help you get the funding you need to make this dream happen.

Some people do this for a living. They buy a cheap dilapidated property, fix it, and then flip it for a profit to someone who is looking for everything you fixed and added to the house during the course of your project. Our Orange County Hard Money lending firm is here to give you the tools you need throughout the planning process, execution process, and of course, the resale process. We want you to get as much money as you possibly can for your house, and we do that by using our years of experience in the industry.

We work with Orange County real estate investors in both residential and commercial projects. Whether you’re a newcomer or a well-established fix and flip artist, our money is here to aid you in your life pursuits. To get started, fill out our loan application form so we can begin to evaluate your project. Our financial experts will truly take the time to listen to you and be with you every step of the way as you bring your next project to life. Remember that many people make a lucrative living flipping houses, but they do so with a good hard money lender on their side. We’re that lender. Call Delancey Street today and let us put our own expertise to work for you and your project.

What is a Orange County Hard Money Loan?

A hard money loan is a private, short-term for real estate to purchase a home or investment property. The loan is only for a short period of time. For example, the most common hard loan is repaid within 12 months. However, every hard money loan is different. Some borrowers may have two to five years to repay the loan. Regardless of the number of months to repay, every borrower must make one balloon payment due at the end of the loan. The balloon payment includes the remaining balance, interest and any other fees left on the loan.

Down Payment is Required for a Hard Money Loan

Whether a borrower is going for a construction hard money loan to finance a project or an owner-occupied hard money, a down payment is required. The specific amount is determined by the value of the property or after repair value of the property. A hard money lender will based the down payment amount on the full property appraisal.

Some Pitfalls of a Hard Money Loan

Every type of loan has some disadvantages, hard money loans aren’t immune to disadvantages. For instance, interest rates on the loans are higher than traditional mortgage loans. Also, there is an array of fees such as underwriting fees, origination fees and early payment penalties. Hard money loans are also short-term financing solutions.

Advantages May Outweigh the Disadvantages with Hard Money Loans

Borrowers typically consider hard money loans because of specific factors that prevent them from getting a traditional mortgage. For instance, they have a poor credit score. A poor credit history is a barrier to obtaining a mortgage. Hard money lenders don’t focus on credit scores.

Another advantage is financing. Typically, borrowers who seek hard money loans can’t get financing from any other type of lender. Obtaining a hard money loan allows a borrower in this situation to obtain the needed financing for their project or home.

Fast money is another advantage of a hard money loan. A borrower is able to get needed financing immediately. Sometimes the loan application is completed within less than a week after applying. This is a definite advantage when a borrower needs money fast.

Get Your Hard Money Loan in Orange County

Every financial situation is different. That’s why many people don’t qualify for a standard mortgage with their cookie-cutter requirements. If you can’t qualify for a traditional mortgage or need money immediately for real estate purposes, you have options. One option is to apply for a hard money loan. The terms are often flexible and some lenders customize loan terms, according to a person’s financial situation. Yes, there are disadvantages to hard money loans such as it being a short term solution. However, it is an important to pursue when other lenders won’t finance real estate. Contact us for information about your hard money loan today.

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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"
Leo
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
Jason
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
Mary
$250,000 Hard money Loan

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