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

Carlsbad-California Hard Money Loans

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A Guide to Hard Money Loans in Carlsbad, California
Hard money loans can be an ideal solution for mortgage problems. There are times when individuals may need funds as soon as possible to purchase real estate in Carlsbad, California. A hard money loan is a loan used by investors to purchase real estate. Unlike traditional mortgages, hard money loans look at the value of your collateral as opposed to your ability to repay the loan. Most hard money lenders are private firms that look at loan applications on a case-by-case basis and are typically flexible to lending money to investors for different purposes.

Types of Hard Money Loans
There are different types of hard money loans that include:

Bridge Loans
Bride loans are for investors who want to purchase a property quickly with the intentions of refinancing or reselling it. These loans can also be used by individuals who want to purchase a property before they have enough money for a down payment from the sale of a current property.

Owner-occupied Loans
Owner-occupied loans are made for investors who are not able to quality for other types of loans to purchase real estate, so owner-occupied loans may enable them to buy a property for themselves.

Construction Loans
Construction loans are for real estate developers who want to start a new construction project quickly. Typically, the goal of real estate developers who take out a construction loan is to sell it or refinance the property quickly.

Fix-and-flip Loans
These loans are for real estate investors who want to buy a property and make renovations quickly for the purpose of reselling it to pay off the loan.

How do They Work?
Hard money loans are usually not available for individuals who want to fund a private home. Lenders typically do not give out hard money loans for non-investment reasons. Lenders give hard money loans for a short time period, which is typically less than a few years. With hard money loans, borrowers will not make equal monthly payments toward the principle and interest. Most hard money loans only hold the borrower responsible for interest-only payments.

What are the Advantages of Hard Money Loans?
There are many benefits to hard money loans in Carlsbad, California. With traditional mortgage loans, the process can take weeks to months to complete. Investors who take out hard money loans can receive funding within a week in some situations.

They also offer lenient requirements. With regular mortgages, the eligibility requirements are usually based off of debt-to-income ratio, credit scores, and income. While hard money lenders may check on these factors, they make decisions based on the collateral that will be used for the loan.

Hard money lenders are private firms, so they are able to offer more flexible terms than banks. In addition, hard money lenders are more likely to establish a personalized loan that fits your needs.

Hard money loans also offer increased investment opportunities. They give real estate investors access to flexible funds quickly, which means investors can get a good real estate deal instead of missing out because they had to wait for a traditional mortgage through a bank.

What are the Borrower Requirements for a Hard Money Loan?
Hard money loans are versatile because they operate through private firms that have less regulations than banks and other institutions. Although the primary factor behind a hard money loan is the collateral, some lenders may look at your credit score. Furthermore, some hard money lenders may require a down payment, which is typically a percentage of the property’s current value.

It is important to remember that each lender is different. If you want to learn more about hard money loans in Carlsbad, California, contact us at Delancey Street.

When an investor needs to obtain a loan for a property, time is money. However, if they are using a bank to secure a traditional mortgage, time may feel as if it is moving in slow motion. Since this process can take weeks to complete, there is a chance that if the loan is approved, another investor will have already purchased the property. To keep this from occurring and make sure they gain the money needed as quickly as possible, many investors turn to hard money loans. Featuring easy application processes, a lack of emphasis on past financial problems and the applicant’s ability to repay, and flexibility to be used on different projects, hard money loans sound like the perfect solution. However, while they offer numerous benefits, they also have many areas that can be problematic if careful planning is not used along the way.

How Can Investors Use Hard Money Loans?
For investors, securing a hard money loan offers them the ability to use it on many different types of real estate investments. For many investors, these loans are great for fix-and-flip properties, since they can secure quick financing, repair the properties, then sell them at a profit that will also pay off the loan. For other investors, the loan may be used to help start a construction project much faster than anticipated. However, it is important to note that in the majority of situations, hard money loans are not given to those seeking to purchase owner-occupied properties.

What Kind of Collateral is Required?
Like any type of loan, the applicant must have collateral to offer as security in case they cannot repay the loan. In situations involving hard money loans, the collateral required is not cash or other assets, but rather the property the investor wishes to purchase. Depending on the value of the property, the lender will make an offer to the investor, usually equal to 80-90 percent of the property’s value. Thus, if the property the investor wishes to purchase is valued at $100,000, the hard money loan lender will likely offer $80,000-$90,000, which will be based upon the property’s loan-to-repair value ratio or after-repair-value ratio. So while the investor will receive most of the money needed for the purchase, they will also need thousands of dollars of their own money to complete the purchase.

Easy Application Process
When applying for a mortgage, applicants must provide detailed information about their credit history and other aspects of their finances. But with a hard money loan, none of this matters to the lender. Instead, the lender knows that if they provide the loan, they come out a winner no matter what. Whether the loan is paid back in full, refinanced, or the lender forecloses on the property, they will recoup their money under any of these circumstances.

Hard Money Loan Terms
If an investor pursues a hard money loan, they should be aware the terms may be very different than any loan they have used in the past. For starters, the payback period will be very short, probably only 12 months. Along with this, interest rates will likely be in the double-digits, leading to much more interest being paid on this loan than traditional loans. Finally, a number of fees are usually added to these loans, such as origination fees, underwriting fees, and fees for penalties if the loan is paid back early. And when the final payment comes due, it will be in the form of a balloon payment, so investors should be prepared for this as well.

By using careful planning from start to finish, investors who choose to rely on hard money loans can find themselves able to complete a variety of projects and purchases much faster than anticipated.


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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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