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

Hard Money Loans Alaska

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How is a hard money lender different from a traditional lender
The critical difference between banks and  hard money lenders is that hard money lenders are asset based lenders. They focus on the asset associated with the loan. In contrast, traditional lenders hone in on credit and how much money the potential borrower has. It’s very important to remember hard money loans are not good for the long run. The objective of a hard money loan is to be a bridge loan that which helps you get the investment property you’re attempting to purchase. Hard money lenders focus on short term loans that generate a significant ROI. If you fail to repay the loan, then the hard money lender can repossess your property in order to repay his/her loan.

Why shouldn’t you get a hard money loan?
There’s plenty of reasons reasons why a hard money loan is a terrible idea. For example, hard money lenders look for higher rates of interest. This is because of the fact lenders think they are taking huge risks by lending on an investment property – and want to be reimbursed at a higher rate than what a bank would charge. High interest rates make hard money loans economically toxic for some kinds of deals. In addition, hard money lenders have shorter terms than conventional lenders – which also makes them unattractive. Institutional lender provide 30 year periods but private money lenders offer only 1-3 year loan terms.

Hard money lenders can help finance your next deal
Hard money lenders serve a very specific group of individuals, i.e. property investors. Hard money lending is a form of short term lending, which is secured by property. Specifically, the people who use hard money loans are typically real estate investors – typically, those who are being denied a conventional loan as a result of stringent guidelines.
Hard money lenders exist since they’re fast, and offer loans with little to no headaches. Hard money lenders have a smooth application system. They expect collateral and do not look at your credit rating. They focus on your experience, as opposed to your credit score. In case you’ve got a bad financial history, it’ll be much easier to obtain financing with a hard money loan as opposed to a conventional loan that’s granted based on your credit report. Below are situations where hard money lenders fill a void that traditional lenders do not touch:

Alaska Hard money loans can be used for repair and flip real estate investors
Most traditional lenders will not give you a loan for a fix and flip job. If the house is in poor condition, or there is some other abnormality with the house, then a conventional lender will not give you funding. In addition, most fix and flip potential deals”go fast.” The seller is very motivated to sell the property, and will accept the first offer. Conventional lenders take forever, so by the time the loan is approved – you’ve already lost the property since someone paid cash for it. For those who have a hard money lender on your side who can close a loan in 5-10 days, you can get the fix and flip property.

Hard money can be a form of bridge funding
From time to time, your job goes over-budget and as a result you need additional funding. Some traditional lenders will deny, because the project isn’t completed. Though this can be devastating, a hard money lender may be willing to lend you the funds. Hard money lenders are happy to give money to bridge the gap in financing, and can work with you to fill that void.

Hard money can be used for Commercial properties
Many real estate investors who want a commercial property may get private loans from a commercial hard money lender. At Delancey Street, we finance commercial properties all over the USA, with rates as low as 7%, with terms ranging from 6-24 months. We offer amazing customer service to our clients, with no hidden charges, or bait and switch tactics. We don’t charge prepayment penalties, and there are no income requirements. There are no minimum FICO scores, and we have minimum paperwork. We offer commercial, hard money loans for multifamily properties, office buildings, retail locations, industrial buildings, and much more. We have helped a wide spectrum of commercial property investors secure hard money for many different commercial properties. We work with real estate brokers and hard money brokers who are looking to help their clients get a private money loan. We have financed millions in commercial loans and can work with all kinds of borrowers. Underwriting a business hard money loan takes a lot of effort and requires a knowledgeable team.

Alaska commercial construction loan

If you are a business owner, it is possible that you have heard of a commercial construction loan, but you may not have been told all of the details. A commercial construction loan is a loan given to business owners who want to expand their business. This can mean to take an abandoned building in the area and remodel it, or this may mean to build an entirely new facility in a completely new location. Whichever the business owner chooses, the money from the loan will be used for that purpose.

The main reason why a business owner would take out a commercial construction loan is to add value to their business. The business owner may have the desire to sell his/her business in the next 10 years, and remodeling the current facility may help him/her receive the desired offer, or the business owner may want to create more room to hire more employees and to take on more customers. In certain instances, business owners may take out this type of loan just to update their facility with a new roof, new desks, and more.

The best people to take out a commercial construction would be business owners who have been in business for several years. Being in business for several years shows that the business owner is making enough monthly sales to stay in the business world. A new business owner has the ability to take out a commercial construction loan, but a lender is going to see a new business owner as a risk. This means there will be higher interest rates and other fees. In certain instances, there may even be a down payment needed before the loan can be given.

Once the lender and the borrower come into agreement, the lender will then release the funds to the construction company working on the facility. The loan money is not give all at once. The construction company and the borrower must show proof to the lender that a certain portion of the job is complete before the funds or released. This means the full amount of the loan will be given out in several different stages. However, this is great for the business owner because the business owner does not have to start paying back the loan until it is fully disbursed.

Once the loan is fully disbursed to the construction company, the borrower must pay the loan back in full by a certain date, but the lender will make sure the borrower is satisfied with the work before the final payment is disbursed. If the borrower does not have the money to pay back the loan in full, the borrower can work with the lender to transfer the commercial construction loan into a commercial mortgage loan or a similar type of loan. This will allow the borrower to pay the loan back over a period of time in biweekly or monthly payments.

Over the years, commercial construction loans have been a success. They have allowed business owners to create wonderful buildings and thereby bring in more customers. They have also allowed business owners to create more office space in order to hire more employees. This type of loan can be distributed in less than 48 hours if all of the paperwork is filled out correctly and accurately.


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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"Great choice for first time fix and flippers"
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