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

Hard Money Loans Denver

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What is a hard money loan?

If you’ve just started out in real estate development or have been using another source of funding, this may be a foreign term. Simply put, a hard money loan is financing for a real estate project that’s just getting off the ground. It focuses more on the collateral more than the income, assets, and credit of the borrower. This makes hard money loans attractive to a variety of borrowers. This article will go into greater detail of the workings and benefits of a hard money loan and those who could potentially benefit from this source of financing.

What are the advantages of a hard money loan over traditional bank financing?

Banks offer a variety of loans; however, they’re typically interested in the overall picture during underwriting. Banks also tend to be inflexible in many scenarios. This means that one little snag could put your new investment opportunity to a grinding halt. A strong emphasis is also placed on credit with banks. Many have a minimum FICO score requirement of 700 to be considered for real estate financing of any type. In the real estate investing world, this can be a significant challenge for many borrowers. Although a hard money loan typically looks at the entire picture as well, it recognizes the investment potential as the overarching basis for approval. This is attractive for borrowers who tend to have a great track record but experience the minor setbacks that are common to the industry.

How fast can a hard money loan be approved?

Hard money loans tend to have a much faster approval time than most other forms of financing. With a solid property selected and a 20 percent down payment, you’re able to close within days. Banks and other financing loans can take anywhere from one to two months to close providing there aren’t any snags along the way. This is impractical for many real estate investors who need to move quickly to win bids and get their projects off the ground quickly. Speed may be the top benefit to choosing a hard money loan over traditional financing methods.

What are the acceptable property types for a hard money loan?

A hard money loan must be a property that isn’t owner occupied. The need to fix, flip, or hold the property is a basic requirement. However, many property types are acceptable. This includes land, multi-unit, single family homes, and more. The property must be in reasonable condition and free of any issues that could be deemed as “red flags.” A hard money loan offers much more flexibility and the ability to take on projects that might otherwise be impossible with traditional financing.

What is needed to apply for a hard money loan?

You must have a specific property selected to apply since collateral is the strongest consideration for approval. Other items that are helpful include bank statements, credit explanations, and asset information. Business financial statements should also be readily available for review. The simplified underwriting process reduces the amount of legwork and extensive documentation that’s required by banks and other lenders. Submitting as much information as possible upfront also significantly reduces the amount of loan processing time.

What are the rates and terms of a hard money loan?

Unlike traditional methods of financing, the terms and cost of financing vary considerably. Weight is given to the type of project, the amount of time needed to complete it, and the unique needs of the borrower. This allows for customization of the loan. A traditional lender is unable to make such loans as they’re typically lending based on government funding. This also means the chances of approval are much higher than with traditional funding methods.

Where can I find more information on hard money loans?

Giving our company a call about our hard money loan programs is a great place to start. Our dedicated team of professionals can answer any questions you may have. When you’re ready to apply, we’ll guide you through the process to make it as fast and pleasant as possible. Wikipedia also offers great information regarding hard money loans. This information can be found by visiting Getting your project off the ground could happen right away. Call us now and get the ball rolling, today!

Investing in real estate is an excellent way for people to improve their financial position. However, one of the most common obstacles for investors is securing financing to make a purchase. Hard money loans are a common approach for people who do not have a strong credit history. These loans generally have a much higher rate of interest than typical loans. However, it is much more convenient for investors to receive this capital than going through a bank.

Real Estate Overview in Denver

Denver has one of the hottest real estate markets in the United States. Over the past decade, real estate prices in Denver have increased quickly. The city has a ton of investment opportunities for people who are willing to work hard and take financial risks.
The local banking industry is not conducive to real estate investors. Most banks require a substantial down payment before lending money for an investment loan. One of the most common uses for a hard money loan is to make a down payment on a home. The vast majority of real estate investors use loans to purchase investment properties. Before buying a property, real estate investors should research the local area carefully. Some investors wrongly believe that making money with real estate is easy. However, there are multiple examples of investors going bankrupt in Denver due to bad business deals.

Choosing a Lender

Before utilizing financing, a person should analyze all of their lending options. Some people wrongly believe that all lenders are the same. However, there is a drastic difference in customer service between banks. When working with a hard money lender, it is preferable to work with someone who has a track record in the industry. Some people become hard money lenders as a way to make additional income, and many of these lenders do not care about customers. People without experience in the lending industry may have unrealistic expectations about the payback period on a loan.


Hard money loans should be paid back quickly. Purchasing a home with a hard money loan is rare. Instead, most people use these financial instruments to make a down payment or to make a repair on a property. A shorter loan duration generally correlates with less risk for the lender. In most cases, investors should pay down the hard money loan as fast as possible to reduce interest expenses.

Interest Rates

For years after the last recession, interest rates were at historic lows. Although interest rates have slightly increased since that time, rates are still much lower than the historical average. As a result, it still makes sense to use traditional financing methods to invest in real estate. An investor with average credit can receive an investment loan with an interest rate of five or six percent.
Hard money loans have much higher rates of interest. It is not uncommon to see hard money loans with a 12 percent interest rate. There are various reasons for the higher interest rates. In most cases, these loans are not from certified financial institutions. The lenders are taking on a lot of financial risk by lending the money.

Other Considerations

Although real estate investing can be profitable, investors should conduct careful research before making any decisions. The Denver real estate market is competitive, and some people may overpay for a property. It is much better for an investor to wait for the right property than to quickly purchase the first property available. Investors should also have a property management team ready to help with the tenant placement and management process. Hard money loans are an excellent way to get started with this process.


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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