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

San Francisco Fix and Flip Lenders

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Best San Francisco Fix and Flip Loans

Unless you’ve been living in the Amazon without an Internet connection, you know the San Francisco real estate market is on its way to the stratosphere. For starters, San Francisco ranks as one of the world’s most beautiful and culturally diverse cities. Tech companies are revolutionizing society from Silicon Valley, and San Francisco real estate enjoys the benefits. People come from all over the world to work and live in this metropolis, and they are people with real money to spend.

San Francisco real estate prices also benefit from scarcity. There’s only so much room, and the population boom of moneyed professionals continues. That situation sets up the opportunity to make money through fix-and-flip real estate investments.

How to benefit from this boom
Even the most rundown property has massive profit potential if it’s in the right San Francisco location. In fact, if you can get that rundown property at enough of a discount, it might be the goldmine you’ve been dreaming about. In the fix-and-flip game, it’s all about how low you can buy and how high you can flip. When you turn a fixer upper into a trendy San Francisco pad, you earn huge.
Of course, if you don’t have the money to make it happen, then it’s just a dream. That’s why benefitting from the San Francisco boom requires a lending partner that specializes in fix-and-flip loans. Lenders like Delancey Street underwrite fix-and-flip loans in the San Francisco market every day. When you have their backing, you can land that golden opportunity.

Fix-and-flip opportunities
Fix-and-flip loans work because the business opportunity presents profit-making potential. To get approved for a fix-and-flip loan, you need to find a property that you can make money on by flipping. Some properties are poor candidates. They are in the wrong location. They are priced too high. They are already updated.
Ideal fix-and-flip properties are purchased below market value. They are not necessarily cheap. A $1 million San Francisco house may be below market value. Market value matters above all because it represents profit potential.
Properties are below market value for many reasons. Often, they are foreclosed or distressed properties. They may also need work. These provide golden investment opportunities.

How the San Francisco fix-and-flip loan works
Once you find your below market property that needs some TLC, you need a loan and you need it now. San Francisco’s real estate market is a modern day gold rush, and the competition wants to stake its claim on your golden opportunity before you can. Fix-and-flip lenders don’t take weeks or months to close a loan. They close loans in days or less. In this market, you need a lender like Delancey Street, or you will get beaten every time.
Traditional lenders take 30 days or more to approve loans because they are primarily interested in qualifying the borrower instead of qualifying the property. They spend all that time reviewing the borrower’s credit history, income history, and verifying any piece of information that reveals whether the borrower can make the payments and keep making the payments for years into the future. Who can blame them? If they’re writing a 30-year mortgage on a $2 million San Francisco home, they probably need to make sure the borrower isn’t going to disappear a year later.
Fix-and-flip lenders like Delancey Street base approvals on the profitability of the deal, not credit score and income history. Fix-and-flip real estate is a short-term business. For that reason, fix-and-flip loans are short term. Six months to one year are typical term lengths.
With loan terms so short, the lender is concerned with the ability of the borrower to successfully flip the property during that time. The borrower’s credit and job have little to do with that. What matters is the price of the property, the cost of the renovations, and the selling price when the property is flipped. If that adds up to big money, your loan goes through.

LTV and down payments
When a borrower applies for a traditional 30-year mortgage, especially on an expensive San Francisco property, the lender typically requires a 20-percent down payment. This down payment brings the loan-to-value (LTV) to 80 percent of the value, a level that makes the traditional lender comfortable that the borrower is unlikely to default and abandon the home. At San Francisco prices, 20-percent down is no small ask!
Fix-and-flip loans require no giant upfront investment. No money down approval becomes possible when you find a solid fix-and-flip opportunity because fix-and-flip loans can be based on the after-repaired value (ARV). The ARV represents the price for which the property will be flipped. This loan structure not only allows the borrower to get a no down payment loan, it can also provide cash to complete the repairs.
Fix-and-flip loans are making big profits a realistic possibility for business-minded individuals, even if they don’t have a lot of seed money. Smart investors know there is big money to be made in San Francisco real estate. When you find a solid investment and get a fix-and-flip loan, big profits are in your grasp.

Private money lenders provide a vital resource for Oakland homeowners and real estate investors. With Bay Area property prices continuing to climb into the stratosphere, professional investors and average homeowners alike continue to build equity in their properties. As great as the price increases may be, there are many homeowners and real estate investors being frozen out of this vast wealth-building opportunity.

They are being frozen out by retail banks. Beholden to stockholders, loan committees, and government regulations, retail banks provide little flexibility in their lending terms. This rigidity harms real estate investors who need fast closings on nonstandard properties and homeowners trying to navigate difficult financial times in the Bay Area, where the cost of living continues to rise.

Private money lenders provide both a method of financing nonconforming deals and provide a lifeline to distressed borrowers.

Lending based on asset values makes it possible

Private money lenders, also known as hard money lenders, help borrowers where retail lenders cannot because they base their lending decisions on the value of the asset, not the borrower’s credit score or income. When they evaluate a loan opportunity from a real estate investor, they are able to appraise the value that the investor brings to the property through plans to rehab and sell the property at a profit, making private money lenders a great option for investors looking to fix and flip houses in the Bay Area.
Distressed homeowners have a way to save their home equity

Though the Bay Area’s housing market may be booming, households still have to navigate very high costs of living. This means that if something happens that breaks the budget, families can find themselves deeply in debt. A job loss, medical expense, illness, or some other event can leave homeowners behind, and catching up can seem nearly impossible.

Often, distressed homeowners try to refinance with a retail bank but find that their recent credit woes disqualify them. If they have had a change of circumstances that caused a loss in income, getting a new mortgage can be all but impossible. Because retail banks look at credit score and income, homeowners can find themselves locked out of retail-bank mortgage opportunities.

When homeowners have built up equity in their property, which often represents all they have, losing their homes to foreclosure is a devastating blow. Tens or even hundreds of thousands in equity can be lost. When the home is sold at auction, the bank simply collects its money, leaving nothing for the homeowner.

Borrowers in this circumstance can save their homes through a hard money loan. These loans generally require a loan-to-value ratio of 80 percent. With an 80 percent loan-to-value ratio, the loan amount can be no more than 80 percent of the home’s value. Because Bay Area prices continue to climb, many homeowners meet this criteria, even if they are in mortgage arrears.
A hard money loan provides distressed homeowners with the funds they need to get our of foreclosure. Then they are free to either sell the property and take their equity out or refinance into a traditional loan, once their finances are back on track.

Nonconforming real estate investment loans
When real estate investors find great fix-and-flip opportunities, they need to jump on them. Competition is fearsome. Private money loans provide the solution because they are granted quickly, often in just 24 hours.

Unlike retail bank loans, private money loans allow investors to qualify for a loan based on the value of a fix-and-flip property after the repairs are completed. This means they can loan 80 percent of the value that they will ultimately sell the property for, which allows them the cash they need to complete the project. This type of forward thinking, investment-based lending doesn’t come from retail banking institutions. It comes from private money lenders who understand what it takes to be successful in the art of flipping houses.


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
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"Great choice for first time fix and flippers"
$250,000 Hard money Loan

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