Antioch-California Hard Money Loans

We empower 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

1

High LTV

We fund hard money loans up to 80-90% LTV with no issues.

2

Fast

We promise to treat you like a partner

3

No $ Limit

No limits on what we can do for you.

Business Funding

Our client was a trucking company based out of NY, that needed quick funding. In 24 hours, we arranged $100,000 in funding.

Raised
APR
ARV
700,000
9,0%
60%
100% Funded!

Residential Refinance

We funded a purchase in California, for $1.2 million with 65% LTV. We helped the developer with with a 11% loan with balloon payment.

Raised
APR
ARV
1,200,000
11%
82%
100% Funded!

Lawsuit Funding

Client was injured in a car accident and needed a cash advance on the future value of his lawsuit. In 48 hours, our funders wired funds over.

Raised
APR
ARV
830,000
8,99%
75%
100% Funded!

PARTNERS FIRST.
LENDERS SECOND.

Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Industries We Service

Cannabis
Residential Real Estate
Commercial Real Estate
Startups

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of builders, developers, hard money lenders, and entrepreneurs. We understand your project has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Hard Money Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification Project and LTV matter. We don’t care about your credit.
Maximum LTV 80-90%
Loan Terms 12-48 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get pre-qualified

  • Looking to purchase a property
  • No obligation and no effect on y
Get pre-qualified today

Antioch-California Hard Money Loans

Many investors that find it difficult to qualify for other financing options believe the hard money loan to be their saving grace. While hard loans aren’t right for every borrower, they are a viable option if you need financing for your real estate ventures.

Understanding Hard Loans

Hard money loans are used in real estate investments. Hard money lenders in Antioch, California base the loan off of your collateral, making it easier for investors to get cash without having to prove their ability to repay the loan.

The Different Types of Hard Loans

As hard money loans are provided by private lenders, there are many different kinds of loans a borrower can obtain. The most popular types of hard money loans include:

  • Bridge loan: A bridge loan is right for you if you intend to purchase a property quickly and intend to refinance it or resell it. These loans are ideal for the investor that wants to purchase a property immediately, but doesn’t have adequate funding to do so as they are waiting for current property to sell.
  • Fix-and-flip loan: You may want to use a fix-and-flip loan if you are planning to rehab a property so you can resell it quickly.
  • Owner-occupied loan: An investor may choose this loan if they can’t qualify for another type of financing and need to purchase a property.
  • Construction loan: You can obtain a construction loan if you intend to develop a property to refinance or sell it and need the money to start on a construction project.
  • Other: If your situation doesn’t quite fit into the scope of the other loans, there are many hard money lenders that will create a loan agreement designed to meet your needs.

How Do Hard Loans Work?

While hard money loans offer borrowers a lot of flexibility, they aren’t appropriate for every situation. Many lenders will only give out hard money loans to investors, so borrowers looking for capital to fund their private homes often have to opt for more traditional options.

  • Terms of the loan

    Compared to other financing solutions, hard money loans are given for a small period of time, which is typically less than a couple of years. Usually, most lenders allow for a 12-month term. Borrowers are often not expected to make equal monthly payments towards the interest and principal when paying the loan back. Instead, many hard money lenders require that borrowers either make interest-only payments or one final payment when the loan comes due.

  • Hard loan benefits

    Once you learn what is expected of you regarding the repayment process, you will be able to better understand the benefits of hard money loans. Many investors choose hard loans because of the quick financing and short loans terms. Paired with the simple application process, investors that have a guaranteed plan for paying the loan back stand to benefit the most from hard money loans.

  • Acquiring the loan

    Investors hoping to be approved for a hard money loan often have to bring some of their own money to the table. Depending on the lender, borrowers may have to front enough to cover the after-repair value or the loan-to-value of their property. The ARV and LTV compare the purchase price of the house with repair costs and the final appraised value of the property after it is rehabbed. Investors must be prepared to make their down payment based on either the ARV or LTV for their property for these types of lenders.

Once you’ve reviewed all the details associated with hard money loans, you should be better able to determine if they will meet your purchasing needs. Keep this guide in mind as you consider approaching a lender about hard money loans.

Hard Money Loans

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