do hard money lenders check credit scores

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Considering a hard money loan?

We help real estate investors get hard money/private money loans for their next project. Money and finances should never be the obstacle that stops you from succeeding. We regularly help 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 – and how we can help you capitalize on it. For years, our team members have been helping people capitalize on opportunities using hard money loans, private loans, reverse mergers, other financial vehicles.

  • High LTV

    We fund loans up to 80-90% LTV. We look at the value of your property, and your overall business plan when deciding whether to fund you.

  • Fast

    We realize deals can disappear if you don't have fast funding. We promise to treat you like a partner, and work fast to help you get funding.

  • No $ Limit

    We're a growth focused private money lender. That means we work fast to fund your deal, and there's no limits on what we can do for you.

Do you need a loan for real estate projects?

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Recently Funded Projects

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.

Raised APR ARV
$830,000 8.99% 75%

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.

Raised APR ARV
$1,200,000 11% 82%

Allen Park, MI Rehab

On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire.

Raised APR ARV
$135,000 9.0% 63%

do hard money lenders check credit scores

Many builders and developers who have been in the game long enough, inevitably work with a hard money lender. The #1 question we hear, is do hard money lenders check credit scores? Many developers have blemishes on their credit reports. If you’ve been in the game long enough, you probably have a few issues with your credit. The good thing about hard money, is that the lender you work with does not check your credit score. Hard money is something – where a loan is given against the asset. Private, and Los Angeles hard money lenders, lend against the property. The lenders look at the property itself. They look at what the neighborhood is like, and how the properties in the area sell. The lenders look at the purchase – is it below purchase price, how complicated is the renovation, and how much time will it take it get done.

Hard money lenders look at the borrower, and look to see what type of experience the borrower has doing hard money deals. Los Angeles hard money lenders will see if the borrower has done this type of project before – if so, how many times. The lender will want to see, how organized, and concise the developer is. The lender will want to see how responsive, and how informed the lender is. In addition, the lender will look to see how much cash the developer is. The lender wants to work with someone who is cash rich, and simply needs 10-30% extra to complete the deal. It’s important, that as a hard money borrower, you be in good financial condition. The better your financial condition is – the higher the chance you’ll be able to get funding.

Borrowers need to be able to prove they have experience, steady income, and some degree of cash. Even if your credit is poor – but you have experience and sufficient cash, this is enough for a hard money lender in Los Angeles to lend you money.


Do you need a loan for real estate projects?

Getting Started Is Simple & Easy
  • Contact us regarding your opportunity
  • We’ll reach out to you, and discuss the specifics
  • We finalize the transaction and help you
Get pre-qualified for a potential investment
  • Get pre-qualified for your next real estate purchase
  • Risk free – with no credit check, or any commitments

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