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

Clarksville-Tennessee Hard Money Loans

Understanding Hard Money Loans – Clarksville-Tennessee
In a world where everything goes as planned and it’s easy to secure a bank loan for a real estate investment, there wouldn’t be a need for another option. Unfortunately, the requirements of conventional mortgages can make it difficult to qualify. If you are looking for alternatives, then a hard money loan might be a good solution. Since the best thing that you can do is make an informed decision, the information below provides an overview of hard money loans.

About Hard Money Loans

For starters, a hard money loan is for real estate purposes. There are several different types of hard money loans that are purposed to meet the needs of real estate investors. However, there’s also a consumer hard money loan product for private properties.

An interesting aspect of hard money loans is that the lenders are private firms and individuals who look at the unique circumstances surrounding the potential borrower as opposed to just following a template or checklist of requirements. Here’s a quick look at different types of hard money loans:

Bridge loan: You might find a bridge loan beneficial if you want to buy a property now and you intend to resell or refinance it. Another use of a bridge loan is to buy a new property prior to getting cash for a down payment from a property that you already own.

Fix-and-flip loan: When it comes to fix-and-flip loans, it’s exactly as it sounds. This is an option that allows you to purchase a fixer-upper, rehab the property, resell it and then pay the loan off.

Construction loan: Real estate developers find construction loans useful if they have a new construction project and intend to refinance or sell the property as soon as possible.

Owner-occupied loan: Although less common, sometimes there is a hard money loan that allows consumers who don’t qualify for other types of financing to purchase a property for themselves.

Hard money lenders tend to steer clear of owner-occupied loans because they require adherence to more regulations, such as Dodd-Frank, which requires an assessment of the borrower’s debt-to-income ratio. The purpose is to confirm their ability to repay the loan. There are also licensing requirements involved through the National Multistate Licensing System & Registry.

Facts About Hard Money Loans

Hard money loans are shorter than traditional loans, averaging about 12 months. However, sometimes they are a little longer, but not more than a few years. Borrowers won’t usually be required to make monthly principal and interest payments, instead, they are often only required to make interest payments. There’s even a possibility that you won’t have to make any payments at all, which can make this type of loan highly attractive.

When it comes to the application process, hard money loans are quick, often taking less than a week. Instead of making a decision to fund the loan based on your ability to repay, hard money lenders focus on collateral. Borrowers will typically have to put cash down, and the amount is based on either the After-Repair-Value (ARV) ratio or the Loan-To-Value (LTV) ratio. When it’s time to pay the loan off, that happens all at once in a balloon payment that covers everything owed, including the principal, interest and all fees.

If you are still wondering whether a hard money loan is right for you, it might help to know that people who typically get hard money loans do so because they are unable to get financing anywhere else, they have bad credit or need to find a way to get money fast. You should also keep in mind that if you’re in a buyer’s market, or you already have a good refinancing plan, then a hard money loan might not be a good option. Otherwise, the advantages might 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.

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