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

Centennial-Colorado Hard Money Loans

Hard money loans are the financing solution that most real estate investors use as their go-to for every property purchase. Though hard money loans are a valid option in some situations, many people that are new to the application process aren’t sure how or even if they qualify for a loan.

How to Qualify for Hard Money Loans

While many in the industry see hard money loans as quick financing solutions, this is only the case if one meets the requirements for approval. If you’re interested in applying for a hard money loan, you’ll need to consider the basic qualifications.

Meeting the Borrower Requirements

Borrower requirements for hard money loans are quite different than requirements for other financing alternatives. Most hard money lenders in Centennial, Colorado are private individuals and institutions that aren’t regulated in the same manner that a bank might be. To that end, there is more variability with what a lender is looking for in a borrower.

If you’re looking for a hard money loan, lenders will likely be aiming to see what type of collateral you’ll be using. Investors that have recently purchased a property can use this as collateral. If you are going to do a fix-and-flip, it is important for you to appraise the property for its after-repair value. Most hard money lenders will ask for a full appraisal for your property.

Reviewing Your Finances

Other lenders may want to review your finances, so keep that in mind. While most hard money lenders won’t consider your financial standing when deciding whether or not to lend to you, others might.

Even if you have collateral, some lenders will require you to provide a down payment of some sort. This down payment might be a certain percentage of the property value based on its ARV. In this scenario, you would need to prepare to make a larger initial payment as the current value will be lower than the ARV.

Though these are just a few standards most hard money lenders might look for, every lender is different. The best way to determine if you meet a lender’s requirements is to visit their site or ask them yourself.

Assessing the Interest Rates

Hard money loans are notorious for their incredibly high interest rates. With sky-high rates that rival those of credit cards, hard money loans are certainly not cheap. Most lenders will charge anywhere between 5.4% APR to 15% APR, and sometimes even more.

Though these interest rates are ever-climbing, they are only charged for the period of the loan. As most hard money loans are short-term, most investors find the loans to be valuable, even with the interest rates.

If you took a loan out for $1000,000 with an APR of 15% for a year, you should anticipate a monthly interest of $1,250 for 11 months. At the end of the loan, you’d make one payment of $101,250. While this is certainly not chump change, it is oftentimes the best case scenario for many investors.

In addition to the interest rates, investors can expect to pay a fair amount of fees. Most lenders will tack on additional fees to the loan, including an origination fee, a prepayment fee, an underwriting fee, and other expenses. While some lenders are upfront about these fees, others will try to sneak them in.

Finding Reputable Lenders

Just as a lender wants to make sure you meet their requirements, you need to ensure they do the same for you. Start your search for a reputable lender by contacting local investors. Those that are in the know will help you find experienced and trustworthy lenders. Similarly, do a search online to see if any blogs have directories with names of local hard money lenders.

Though the cash can come quickly with hard money loans, it pays to take your time when choosing what works for you. Keep all of the above information in mind as you prepare to take on your next real estate venture.

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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