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

Alexandria-Virginia Hard Money Loans

Getting approved for a mortgage can be a complicated process, and things don’t always work out as planned. Frankly, not everyone can qualify for a traditional mortgage, especially when there are rigid requirements.

Sometimes investors need money right away to purchase real estate and find themselves in search of an alternative solution. The information below sheds light on hard money loans and how they might work for you. The best thing that you can do is make an informed decision.

About Hard Money Loans

Hard money loans are for the purchase of real estate, and funding is often based on the value of your property. This is a different focus than traditional banks that focus on your ability to pay the loan back. Hard money lenders are private firms and individuals who lend money in consideration of the borrower’s specific needs. Unlike banks, they make decisions to fund loans by analyzing each unique situation without cookie-cutter requirements.

There are different kinds of hard money loans. Some of the more common hard money loans include fix-and flip loans, construction loans and bridge loans. There’s also the owner-occupied loan, but it’s less common and provided for those who are unable to qualify for other loan products.

Aptly named, a fix-and-flip loan is used to purchase, rehab and resell a property. A construction loan is for real estate developers with new construction projects who plan to refinance and sell the property immediately. Bridge loans let you purchase, refinance or resell a property. Alternately, you can use a bridge loan to buy a new property now and then obtain cash for a down payment when you sell a property that you already own.

A Closer Look at Hard Money Loans

Hard money lenders primarily fund real estate loans. They are less likely to provide loans for owner-occupied properties because they require adherence to far more regulations, which tends to complicate the lending process. For instance, they would have to comply with the Dodd–Frank Wall Street Reform and Consumer Protection Act, among other regulations. There would also be additional licensing requirements.

Hard money loans are for a very short term of 12 months, but sometimes a couple of years. Borrowers are typically only required to make monthly interest payments, as opposed to monthly payments to the principal and interest. There are even hard money loans that do not require any monthly payments at all. Each hard money lender has different criteria. Additionally, real estate investors often appreciate the quick and easy application process for hard money loans. Generally speaking, it can take less than a week to complete the process.

Usually, hard money loans require a down payment that’s based on your property’s Loan-To-Value (LTV) ratio or After-Repair-Value (ARV) ratio. At the end of the loan, you’ll make a balloon payment that covers any fees, the principal and the remaining interest.

How Hard Money Loans Are Different

There are few similarities between hard money loans and traditional bank loans. Hard money lenders have criteria that can be wide-ranging, interest rates are usually high, sometimes there are hidden fees, and the repayment period is very short. There’s also a lack of government oversight and it can be difficult to refinance a hard money loan because of traditional mortgage regulations. These aspects of hard money loans can make them less desirable.

As it relates to the benefits of hard money loans, one important advantage is that hard money loans can give you the money that you need fast and the terms are flexible. Essentially, you will have the financial resources that you need when a real estate investment opportunity is presented. Many investors find that the advantages of hard money loans outweigh the disadvantages.

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

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