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

Houston hard money lenders

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Getting approved for a real estate investment loan from a traditional lender is a real hassle, especially if  you have a questionable, or extremely poor, credit history. With a low credit score, it can literally take you weeks or months to be approved for mortgage. Even if you have a good credit history, it can still take some weeks for the process – beginning to end. It does not matter that sometimes you’re in severe need of quick money. The process takes time – end of story.
Hard money lenders, on the other hand, consider the collateral you’re giving up – as opposed to your financial capability to pay the loan back. Hard money loans require you to put up collateral – incase you default on the loan. Hard money loans are usually meant to help businesses financially, or to help businesses buy land/property. If you neglect to repay the money given to you, then the hard money lender who gave you the money will take possession of the collateral and sell it to get back their money. Lenders prefer not to take possession of your land – they’d rather get their loan repaid.
Hard money loans are most convenient and valuable to investors who want to renovate, or improve, a real estate property prior to selling it at a higher price. Real estate investors generate an ROI and repay the borrowed cash within a short period of time.
Hard money loans, like any other loan, come with their own advantages and disadvantages. This article discusses some of the pros and cons of hard money loans.
Hard money loans have short approval timelines
Hard money lenders are not concerned about your credit rating. Hard money lenders are more concerned about the collateral and will process your loan quickly if your collateral justifies the loan. They only care about the collateral. It’s important to be aware that hard money lenders aren’t always interested in taking possession of your property. The more information you provide about the value of the property, it’s initial cost, and after repair value – the faster they can process your hard money application.
Unlike standard loans, hard money loans arrangements and provisions are flexible. Instead of dealing with a large corporation, you’ll be speaking to an individual who is prepared to assist you create the best loan possible. They do not adhere to a standardized set of guidelines when setting up your loan repayment schedule. Lenders are extremely flexible, and work with you to give create a plan plan that works best.  That means you can negotiate a flexible timeline, and negotiate every single variable of the loan. Each lender is different, so if one lender is being difficult – you can go to another one.
When it comes to hard money loans, the lender is most concerned with how secure the loan is. If you would like to invest in real estate, the lender will give you a loan value as much as 70-80% the properties value.
In case you have any issues with your credit history, that’s ok. Some lenders don’t even look at your credit score.
When it comes to loan-to-value ratios, hard money lenders prefer low ratios, with the highest being between 50 and 70 percent. They do this to give themselves a better prospect of getting their money back should they have to sell the property after your inability to pay the loan.
You can apply and get a hard money loan in a matter of weeks. This is valuable, especially to borrowers looking buy a real estate investment property fast.
Disadvantages of Hard Money Loans
Repayment period
Unlike conventional loans that take longer to be paid, hard money loans have been designed as a short term solution. This usually means that you will need to repay the loan in the shortest period possible, prior to the hard money lender your property. If you don’t, the lender will take your asset and sell it – in order to get their cash back.
Increased expenses
In contrast to traditional loans, hard money loans tend to be more expensive. In addition to the loan origination fees, you’ll also cover closing and servicing expenses. If you take hard money, it can cost you 10 percent more than it would have on the standard loans. Obviously, hard money loans are much convenient.
Hard money loans have a typical than normal interest rate because of the “extra risk,” the lender is taking.  Interest rates usually range between 9 and 14 percent.
Before giving you a hard money loan, lenders ask that you provide a down payment of up to 25-30 percent. This is supposed to incentivize you to complete the project
What’s next
If you decide a hard money loan is right for you, the next step is to reach out to us. Delancey Street is concerned about one thing, and one thing only – your project. If we think you’ll succeed, we’ll give you the funding you need. Help us understand your opportunity, and how our funding can help you manifest your goals. We focus on your end game, and look for a business plan that shows how much money you need, how you’ll use it, and when the loan will be repaid.

If you’re planning on going for a hard money loan, you probably already know all of the benefits of getting one. In order to qualify for your loan, you’re going to have to make sure that you meet all of the requirements. Hard money loans are great lending options for people looking to invest in real estate, but there are details about them that the borrower needs to understand before taking them on so that everything is perfectly clear.

A hard money loan is an excellent short-term real estate loans extended to investors who are looking to invest in real estate. The terms are short, usually lasting anywhere between six months and three years, and lenders can have money to you in as little as a week or less. This makes them great deals for people who are interested in taking advantage of quick-moving real estate deals in fast-paced markets.

Hard money loans are perfect for funding short-term real estate deals.

It makes sense to get a hard money loan when you can’t find funding anywhere else for a short-term real estate deal. Finding money to fund short-term real estate deals is extremely difficult when dealing with traditional lenders and banks. Those institutions tend to shy away from these types of loans since they’re inherently risky, and they can’t guarantee they’ll get their money back. Hard money lenders thrive in this market, providing money for borrowers for exactly these types of loans.

Hard money lenders use your collateral to qualify you for your loan.

When traditional banks qualify you for a loan, they look at your credit rating. They check your score, looking for bankruptcies ad foreclosures so that they can make a decision as to whether or not they’ll extend you the loan. When it comes to hard money lenders, they’re looking at the value of the collateral that you’re bringing to the table. That collateral could be the property you’re purchasing or property you already own.

Hard money loans tend to have higher interest rates than other types of loans.

Hard money loans tend to have higher interest rates than other types of loans. The interest rate varies from lender to lender, but in general, rates range from from five percent to as high as 15 percent or higher. Hard money lenders charge higher rates because the investment real estate market is inherently risky, making lending even more risky. Most people realize that the higher rates are simply the cost of doing business in order to benefit from the positives that come from getting a hard money loan.

You can get money quickly with a hard money loan.

One of the biggest benefits of getting a hard money loan is that borrowers can get their money quickly. While traditional loans can take as long at 30 to 45 days or even longer before you get your loan, while hard money lenders can get you your money is as little as a week or less. This is great news for investors who need their money quickly. Real estate deals are frequently only available for a short period of time, so being able to access funding quickly is key.

Make sure that you’ll be able pay off the balloon payment at the end of the loan.

You’re going to have to pay off the total amount of the loan at the end of the loan period, minus any interest and principal you may have paid off ahead of time. The goal is to have the investment property sold off by the time the loan comes due. If you’re unable to make the payment by the due date, you should have plans in place to refinance the loan. Make sure you set up a refinancing plan far in advance of the final due date so that you have a smooth transition.


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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