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 Fix and Flip Loans


Funding any kind of project can be difficult, especially if you have a project that can easily run with a budget of a quarter million dollars. Of course, when you stand to earn a half million dollars, this might make the investment worth it, and this is exactly the kind of real estate investment deal you’re looking at when you endeavor to fix and flip a home in Huntington Beach. The old fix and flip has grown in popularity over the years as a real estate investment strategy.

If you’re not familiar with it, just remember that people who fix and flip houses don’t buy houses that adhere to FHA guidelines and serve as a place to live. People buy a fixer upper like this so that they can fix it up and then sell it off for a profit. That means choosing repairs and home improvements that will increase the home’s value in its own real estate market of Huntington Beach. To do this, you need a fix and flip loan, otherwise known as a type of hard money loan that allows you to pursue your dream of fixing up a house and selling it for a big profit.
We all dream of doing something like this, but few people have the go-getter attitude that it takes to actually make this happen. Lenders like banks don’t typically give out loans like this unless the person has perfect credit and income. Thanks to hard money loans from places like Delancey Street, you don’t have to worry about having a great credit rating or a ton of income. You can get a fix and flip loan based on the value of the property you’re going to flip. That means if you walk in with a great blueprint for success, we’re going to fund your project. End of story.

How To Flip a House

There’s no one secret recipe for successfully flipping a house. Thousands of people do it and make a living at it, others try it once and walk away in defeat. There’s no way to guarantee success, especially in a picky Huntington Beach real estate environment. There are some things you can do to make sure you have your best chance, though, and one of those things means going with a hard money lender that is going to give you competitive interest rates. A lender like Delancey Street can be one key component in your success, but it’s just one.
You’ll also need to find ways to save money on the repairs you need to make. The better your planning is, the greater your chances of success. Talk to repairmen and home improvement experts who can look at your home and give you honest assessments of what it’s going to take to fix the property up. Talk to real estate agents who know the markets of Huntington Beach and can be accurate when they tell you what each improvement or repair will do to up the value of the house. And of course, you’re going to need a true real estate agent who is aggressive about selling your house for a profit. You want someone who’s on your side all the way.

Location is another central key, and your lender is going to look at the location of the home you’ve chosen as well. Sometimes no amount of repair or improvement will increase the value of a house because it’s in a neighborhood that people with higher incomes would prefer not to live in. So you have to know the buyer in the future just as well as you know your own plan for flipping the house. Even if everything goes right, is it even going to matter? A good real estate agent can look at your plan and give you an idea of what your repairs and improvements will do and whether or not the location is right as well.

Contact Us Today

Delancey Street is a true blue believer in people who want to flip houses, and we devote a large part of our investments each year to helping people successfully fix and flip houses for profit. We are always on the lookout for the next big success story. To get started on your success, we need to touch base with you and see what you have in mind. Over the course of your application, we’ll look at the amount of money it will take to flip your house, the repairs you have lined up, the location of your property, and many other things. And then we’ll come up with a loan that works for your needs. We’re a very consumer-centric lender, so when we say we have your best interests at heart, we mean it. Call today.

A hard money loan refers to a real estate loan type that is approved based on the collateral value as opposed your capacity to repay. There are various types of hard money loans. One such loan is a bridge loan that is meant to allow someone to purchase a property fast with the aim of refinancing or reselling it. Also, they can allow you to purchase a new property now before you obtain sufficient money for a deposit from the sale of a property you currently own.

Another type of hard money loans is a fix-and-flip loan that lets you purchase a rehab property before fixing it up fast in order to resell it and clear the loan. When it comes to an owner-occupied loan, you are allowed to buy a property for yourself if you fail to qualify for other financing types. With a construction loan, you can rapidly start a new building project, with the aim of reselling or refinancing it quickly.

How Hard Money Loans Work
Hard money loans are not available to all people. The majority of lenders will not offer hard loans for personal purposes. For instance, if you are hoping to get a hard money loan to buy a new home, it won’t work out. If a lender offers a hard money loan to a consumer for noninvestment purposes, they could face regulatory problems.
The repayment period for these loans is usually short, usually below few years and even one year. As opposed to making periodical repayments toward the loan, the majority of the hard money loans will only need you to repay interest only, or possibly zero payments. The principal is paid as a lump sum at the end of the period. Hard money loans have numerous advantages that are appealing to real estate investors. These include quick financing, straightforward application process, and short repayment period.

Benefits of Hard Money Loans
As opposed to taking weeks or months filling out forms and calling people to get a loan, you can apply for a hard money loan and get financed within a week or less. Second, hard money loans have lenient requirements. Normal mortgages need a particular standard of credit scores, debt, and income. Hard money loans also look for these requirements. However, the principal requirement is collateral, and if you have a property, you will get the loan.

Third, hard money loans have flexible terms. Since you are dealing with private firms and individuals as opposed to banks, there is a higher likelihood that lenders will make custom loans that suit your needs. Fourth, there is an increase in investment opportunities when it comes to hard money loans. Gaining access to a lot of money in a short period means that you will not miss urgent investment opportunities.

Drawbacks of Hard Money Loans
First, these type of loans have high interest rates. Hard money loan interest rates usually float toward double digits. Second, hard money loans do not have oversight. In comparison to traditional consumer mortgages, hard money loans face minimal government oversight, particularly when the loans are for business purposes. That is why it is critical to ensure you really need it before application.

Third, you will experience high fees with this type of loan. Many lenders charge various fees like origination fees, construction draw fees, early payment penalties, or underwriting fees. Fourth, the loan faces short terms. With this loan, you will be required to repay within a short period, usually as short as a year. You will have to sell the property prior to the due date, refinance into a traditional mortgage, or applying for an extension. Fifth, there is a lot of red tape when it comes to refinancing. Some lenders will need you to own the property for a certain period before you can be refinanced. This can be problematic if your hard money loan is due and you have not met this requirement.


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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