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 Jacksonville


How is a hard money lender different from a traditional lender
The critical difference between traditional lenders and  hard money lenders is the fact hard money lenders are asset centric lenders. They focus on the collateral associated with the funding request. But, traditional banks are fixated on your credit and how much cash on hand the real estate investor has. It’s very important to remember hard money loans aren’t good for the long term. The purpose of a hard money loan is to be a short term loan that which helps you get the commercial property you’re attempting to buy. Hard money lenders focus on short term loans that generate high profits. If you fail to repay the loan, then the hard money lender can take over your property in order to settle his/her loan.

When is the right moment for a hard money loan
Hard money loans serve as funding tools by investors. Here are some examples where they are helpful, such as:
Not able to get financing elsewhere. Funding real estate investments is complex. Traditional mortgages are tough to acquire under normal situations. Banks are very cautious of making loans for investments, as opposed to loans for residences. Because of this, if you’re looking for investment capital – then you’ll probably have to get a hard money loan.

You have a poor credit history. Hard money loans are based off the collateral of their investment, not your ability to repay. Loans made to customers – as opposed to hard money lenders – are based off your ability to repay the loan. This means in case you have a bad credit history or no stable income – then you might not get approved for a loan. You need funding. Hard money loans are great so you can get money ASAP. Conventional loans take time. Hard money is very fast. If you will need to capitalize on an opportunity immediately, then you can find a hard money loan. If you can wait several weeks, then it is far better to get a hard money loan.

Hard money lenders can help finance your next loan
Hard money lenders assist a very specific group of people, i.e. property investors. Hard money lending is a form of short term lending, which is secured by property. Specifically, the people who use hard money loans are generally real estate investors – typically, those who are being denied a traditional loan as a result of stringent guidelines.

Hard money lenders exist because they are fast, and provide loans with little to no headaches. Hard money lenders have a fast application system. They anticipate collateral and don’t look at your credit rating. They concentrate on your experience, rather than your credit score. If you’ve got a checkered financial history, it will be easier to obtain financing with a hard money loan as opposed to a conventional loan that’s granted based on your credit report. Below are situations where hard money lenders fill a void that conventional lenders do not touch:

Jacksonville Hard money loans can be used for repair and flip real estate investors
Most traditional lenders will not offer you a loan for a fix and flip project. If the house is in bad condition, or there is some other abnormality with the home, then a conventional lender won’t give you funding. Additionally, most reverse and fix potential deals”go quickly.” The seller is extremely motivated to sell the property, and will accept the first offer. Traditional lenders take forever, so by the time the loan is approved – you’ve already lost the property since someone paid money for it. If you have a hard money lender on your side who can close a loan in 5-10 days, you can get the fix and flip property.

Hard money loans are great for people who have extremely terrible credit
Most run of the mill lenders look at a potential borrowers credit history. They verify your income and explore past activities. This implies that someone with a credit score will have a difficult time, and in some cases never get approved. When this occurs, your only choice is to work with a private lender. While the interest rates for a private loan are higher than conventional loans – if the deal is still profitable, it may make sense to take the money.

Hard Money Loans Can Be Used For Commercial Real Estate Investments
Many real estate investors who need a commercial property may get hard money loans from a commercial hard money lender. At Delancey Street, we finance commercial properties throughout the USA, with rates as low as 7%, with terms ranging from 6-24 months. We provide great customer service, with no hidden fees, or bait and switch tactics. We do not charge early payment penalties, and there are no income requirements. There are no minimum credit score requirement, and we have minimum paperwork. We provide commercial, hard money loans for multifamily properties, office buildings, retail locations, industrial buildings, and much more. We have assisted with a wide array of commercial property investors secure funds for many different commercial properties.

Delancey Street works with real estate agents and hard money brokers who are trying to help their clients receive a personal money loan. We’ve financed millions in commercial loans and can work with all types of borrowers. Underwriting a commercial hard money loan takes a lot of effort and requires a motivated team.

If you’re a real estate investor, we have great news for you! Our company is now offering hard money loans to rehabilitate and purchase properties. These loans offer you a much more flexible, affordable, and quick approval than a traditional real estate loan. You’ll find that we’re able to help you take on more projects to increase your income. Even if you’ve had difficulty obtaining real estate financing due to poor credit, limited assets, or for any other reason, you’ll want to check us out first.

How is a Hard Money Loan Helpful?

A hard money loan is a temporary loan that’s utilized to purchase and rehabilitate a property that’s intended for resale. These loans aren’t suitable for owner-occupied or real estate that’s intended to be held for an extended period. A bridge loan is a common type of hard money loan that’s used to purchase a property quickly without having to make a down payment. The loan can be converted into a rehabilitation loan or paid off later after the property is sold. A rehabilitation loan provides a complete solution for those looking to “fix and flip” properties.

Hard money loans also place a significant emphasis on the probability that the property will be able to make a profit upon resale. This means that less of an emphasis is placed on the borrower’s ability to repay the loan. This means that even if the borrower has had financial issues, they may still be able to qualify.

The structure of a hard money loan is quite different than a traditional mortgage loan. The interest rates are higher; however, the length of the loan is typically a year or less. Loans are kept to a maximum of five years if circumstances warrant. The loans offer flexible repayment terms such as an interest only option, balloon payments, and adjustable rate loans. This helps keep the monthly cost down while the property is undergoing repairs and waiting to be sold.

How are Hard Money Loans Different than a Traditional Mortgage Loan?

Hard money loans vary greatly from traditional mortgage loans. With a traditional loan, the borrower is under much greater pressure to prove they can successfully repay the loan according to its terms. Credit, income, employment history, and assets are all considered and must be well documented. Hard money loans are non-conventional and aren’t subjected to the same governmental guidelines as a traditional mortgage. Without a significant down payment, a traditional loan also required mortgage insurance to be paid monthly. With these factors added in, the monthly payment of a hard money loan is significantly less in many cases. Overall, government backed loans are beneficial for those who intend on maintaining their property; however, a hard money loan has significant advantages for investment opportunity purposes.

How Do I Apply for a Hard Money Loan and What Information is Needed for an Approval?

If a recent and acceptable appraisal isn’t available, our company will order one on your behalf. A home inspection report is also helpful to determine any potential pitfalls that may surface during the rehabilitation phase. Comparable homes and any data that would support a reasonable resale estimate is also helpful. Personal and investment documents should also be made available if requested.

Applying for the hard money loan is easy. Simply fill out our online inquiry form and you’ll be assigned to one of our loan professionals. They’ll be in touch to go over the entire process and will help you finalize your application. Before you know it, you’ll be at settlement receiving your funds. See why so many other investors trust us for all their financing needs. Get in touch and we’ll get you the loan you want and need, today!

If you buy, rehabilitate, and sell properties in Jacksonville, Florida, new financing options are available. Our company has many loan programs designed specifically for investors wishing to increase their profits. Hard money loans offer quick funding to purchase properties with little to no money down. If you rehabilitate properties for resale, you’ll be able to receive funding for repairs and the purchase price. We offer flexible terms and programs for nearly every type of credit and financial scenario.

How Can a Hard Money Loan Help My Bottom Line?

A hard money loan is a temporary financing method that fronts the money for the purchase of a property and rehabilitation if necessary. Since these loans aren’t permanent, they have short terms usually lasting no longer than a year. Upon selling the property, the loan is repaid. You won’t have to miss out on any great opportunities due to a lack of resources or expedient service.

Hard money loans also focus on the quality of the collateral and its profitability potential. This means that credit blemishes, lack of liquid assets, and any other common scenarios investors often run into won’t be a major concern. We also have other loan programs available. There’s a solution for nearly every concern and budget.

While hard money loans provide a quick solution, the cost is something to consider when borrowing. Since these loans are a convenience product, the interest rates tend to be higher. Interest only, adjustable rates, and balloon payments are also utilized. This is a benefit to many borrowers who don’t want to pay any more than necessary while fixing and listing the property for sale.

How Do Hard Money Loans Compare with Traditional Investor and Bank Financing?

Hard money loans are a much faster and simpler way to borrow. With traditional and bank financing, a heavy emphasis is placed on the borrower’s financial history. These entities will want to see a stellar credit rating, stable income, employment, and more. For many investors, this simply isn’t possible due to the cyclical nature of the business. Our company has extensive experience in working with all types of borrowers and provides them with the best and most appropriate loan for their current situation.

Most banks and financing companies rely on government-backed loans for funding. These agencies strictly limit the types of property that are acceptable. Many of these loans also require mortgage insurance unless a sizable down payment is provided. These loans are beneficial and appropriate for owner-occupied and managed properties. Unfortunately, the government simply doesn’t provide funding for properties that are purchased to rehabilitate and sell for a profit.

With our hard money loans, the emphasis on the collateral means selecting a great property prior to applying. Any supporting information that will document the plans for the property are helpful. Past documentation regarding taxes, insurance, titles, and appraisals are also helpful to submit at the time of application. Although these documents will be updated during processing, any information that provides insight regarding potential concerns can greatly reduce the waiting time until funding. A home inspection also helps to identify any concern regarding structural damage, cosmetic concerns, and anything else that could delay your project.

How Do I Get Approved for a Hard Money Loan in Jacksonville, Florida?

Applying for a hard money loan is an easy process. We provide a loan inquiry form online that will ask you for some basic information regarding your request. From there, we’ll have one of our loan representatives review the information and contact you. They’ll go over the entire process and make a recommendation for the loan that would benefit you the most. After that, simply follow the directions from processing until settlement. Before you know it, you’ll have the funds you need to get started on your next big project. Get in touch with us and we’ll be happy to get you pre-approved, today!


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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