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

Oklahoma City Hard Money Loans

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Hard money loans are a type of financing that is secured by real property. These loans are typically given out by private companies and investors. The interest rates on hard money loans are typically higher than the interest rates on residential property or commercial loans.
Hard money loans are typically paid back within six to 24 months. People often get a hard money loan because they are not in a position to qualify for traditional financing. The lender will use the loan-to-value ratio to determine how much they can lend you. The loan-to-value ratio is the loan amount divided by the value of the property.

How Hard Money Loans are Different
The main thing that traditional lenders look at when they are deciding whether to approve you is your ability to repay. They will look at your credit history. They will pay close attention to your payment history and debt. They will also look at your income.
It can take a long time for you to get approved for a traditional lender. Unless you have great credit and a high income, it can be hard to get approved for traditional funding. There are also several things that can delay the process. For example, if you have a negative item on your credit report, then the lender may reach out to you and ask you to explain it. It can also take longer to approve if you have income that is difficult to verify.
However, hard money lenders have a different approval process. They are not as concerned about your ability to repay because the loan is backed by collateral. If you are unable to pay back the loan, then all the lender has to do is seize the property.
Hard money loans are usually short-term loans. You do not want to take a hard money loan out for a long time because the interest rates are high.

Why do People get Hard Money Loans?
Many people wonder why someone would want a hard money loan because they can be expensive. However, there are several advantages that come along with getting one.

The main thing that hard money lenders are focused on is the value of your collateral. That is why they are able to process your application more quickly. Lenders would rather not spend a lot of time verifying your income and bank statements. Because the lender is able to process your application more quickly, you will be able to close on the deal sooner.

Hard money lenders offer more flexible terms than traditional lenders. They do not have to follow a standardized underwriting process like most lenders. You may also be able to make adjustments in your payment schedule if necessary.

Easier Approval
Collateral is the most important factor that will determine whether you get approved. It does not matter if you have a foreclosure or other negative items on your credit report. You can still get approved.

When Does it Make Sense to get a Hard Money Loan?
Hard money loans are a good option for people who are in need of a short-term solution. Many people who flip houses get a hard money loan. The reason that they use hard money loans is because they will only have the property for a short amount of time before they fix it up and sell it. Most fix-and-flip investors will fix the property, sell it and pay off the loan within one year.
You can get a hard money loan for a property that you intend to stay in. However, you will probably have to refinance it in order to get a better loan.

A Guide to Hard Money Loans
A hard money loan is a real estate loan. These loans can be a solution to a number of mortgage problems. There are numerous hard money loans that include:

Bridge Loan
A bridge loan is for investors who want to buy a property with the intention to refinance or resell it quickly. In addition, investors can also apply for a bridge loan so that they can receive funds for a down payment when they are waiting for the sale of another property.

Owner-occupied Loan
An owner-occupied loan is for investors who may not qualify for other finance options. These loans let an investor purchase property for themselves when they may not have been able to.

Construction Loan
A construction loan is for real estate developers. Developers take out construction loans to quickly start a new construction project with the intention of selling it or refinancing it quickly.

Fix-and-flip Loan
A fix-and-flip loan allows an investor to buy a property, make renovations quickly, and resell the property to repay the loan.

Aside from the aforementioned loans, hard money lenders are private firms that are typically open to lending money to investors for a number of reasons.

How do Hard Money Loans Work
Hard money loans aren’t available to individuals who want to use the funds for a private residence. Most hard money lenders only grant loans to investors. Hard money loans are only issued for a short time, which is likely to be under two years. Most hard money loans have a 12-month term. Hard money loans are typically payed off in a balloon payment. This payment will cover the remaining principle, interest, and other fees.

What’s the Difference Between a Bank Lan and a Hard Money Loan?
Hard money lenders are private organizations that do not carry the strict terms of loans that are offered by banks. Hard money lenders are usually more open to work with individuals who have went through bankruptcy, a foreclosure, or have bad credit. A hard money lender is more concerned with the value of the collateral.

What are the Advantages of Hard Money Loans
Hard money loans offer investors many benefits. They provide investors with more opportunities. Traditional loans can take months to finalize. Hard money loans can provide funds to borrowers in a week. Hard money lenders are private investors that are more likely to create a customized plan that fits your needs.

What are the Borrower Requirements for a Hard Money Loan?
The primary factor that determines eligibility for a hard money loan is collateral, and they usually require a full appraisal on the property. A down payment is typically required for a hard money loan. You may be asked to pay a down payment based on the current value of the property, or you could be asked to pay the after-repair value (ARV) on the property.

When Should You Consider a Hard Money Loan?
There are some situations where individuals may want to consider a hard money loan. It is an ideal option for those with poor credit. Although hard money lenders may look at your credit score, it isn’t the primary factor of eligibility.

If you need to move quickly on a real estate deal, a hard money loan could be beneficial. They give an investor the opportunity to avoid the wait that’s seen with traditional banks.



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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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