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

Orange-California Hard Money Loans

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If you’re a real estate investor in Orange, California, you know how important it is to take advantage of a great opportunity. Our company has raised the bar and started providing hard money loans to help. With our loans, you’ll be able to apply and be funded within record time. We offer a loan product for nearly every type of investor whether big or small. Our expert loan representatives are able to tailor a solution that works for you. Grow your real estate investment business with us!

What is a Hard Money Loan and How Does it Help Orange Real Estate Investors?

A hard money loan provides investors with funding to purchase a property with little to no money out of pocket. Rehabilitation costs are also able to be financed. For investors looking to buy and sell real estate for a profit, it’s the perfect loan. With our temporary loans, you’ll simply make monthly payments until the property is sold and the loan is repaid. Loans are also available for construction, lots, land, and many other purposes.

A hard money loan typically has a term from one to five years, with most loans being repaid within the first year. Due to their lack of strict guidelines and the flexibility afforded, the interest rates tend to be slightly higher than a conventional mortgage loan. Interest-only, balloon repayment, and adjustable rate loans are also offered to reduce the monthly expense while the property is being rehabilitated and pending sale. The many benefits and convenience of hard money loans far outweighs the higher rates.

What are the Main Differences Between Hard Money Loans and Traditional Financing?

Hard money loans are much easier to get approved and fund much faster than most traditional financing methods. A traditional loan also heavily considers the background and financial history of the borrower. A hard money loan focuses on the quality of the collateral and the ability for it to produce a profit. Borrowers with imperfect credit, limited assets, and self-employment are much better served with a hard money loan.

Bank and finance company loans are typically backed and funded by the federal government. This subjects the loans to strict underwriting criteria that is nearly impossible to meet for many real estate investors. These loans are also subjected to mortgage insurance in many cases if a sizable down payment isn’t made. Furthermore, government-funded loans are only intended for owners that intend on maintaining their own property whether it be a primary residence or otherwise.

What Information is Needed to Apply for a Hard Money Loan in Orange, California?

A hard money loan application simply requires a property to be pre-selected. However, the more information that’s able to be provided upfront can significantly speed along the process. Estimates of the work that’s to be completed, tax documents, past appraisals, and financial documents are all helpful. A new appraisal is ordered upon pre-approval and the value and after-repair value must be substantiated. A home inspection is also a useful tool to help identify any issues with the property to be purchased.

How Do I Apply for a Hard Money Loan in Orange, California?

Applying for a hard money loan is easy. Simply complete the application provided online. Once our office receives the request, a dedicated loan specialist will contact you. They’ll go over all of your options and how to proceed with the loan. You’ll simply provide the information requested during processing. Upon final approval, you’ll be scheduled for settlement. You’ll sign the loan documents and receive the funds needed to get started on your project. Simply make timely payments and you’ll be able to qualify for many other loans. Get in touch with us online or by phone to see how we can help you like so many others, today!

Understanding Hard Money Loans

Finding a mortgage loan product as a real estate investor or a consumer can be challenging. Especially if you don’t qualify for conventional mortgage loans. Sometimes there’s a need for other options that will fit your individual needs. A hard money loan can be an alternative solution, and the information below can help you decide if it’s the right loan product for you.

About Hard Money Loans

Hard money loans are real estate loans and there are a variety of different types, such as bridge, fix-and-flip, construction and owner-occupied. In most cases, these loans are made based on your collateral as opposed to your ability to repay the loan. Hard money lenders are private individuals and companies that fund loans based on varied criteria. These lenders are often flexible and willing to provide custom loans to accommodate your needs.

Let’s take a closer look at the above referenced loan types. Just as the name implies, fix-and-flip loans let you buy a rehab property, fix it up and resell it, then pay the loan off. A bridge loan enables you to buy a property now, even before getting the cash down payment by selling a property that you presently own. You can also use a bridge loan to buy a property fast and then resell or refinance it. Real estate developers use construction hard money loans for new construction projects and they either resell or refinance it immediately.

Owner-occupied loans are different because these loans are not for investment purposes, but for consumers who are unable to qualify for other types of loans, but desire to purchase property that they will occupy. Owner-occupied loans are less common in the world of hard money lending since there are a lot of regulations associated with consumer loans, such as Dodd-Frank. There are also different licensing requirements. While most hard money lenders do not provide owner-occupied loans, there are some that do offer this product.

How Hard Money Loans Work

One of the benefits of hard money loans is that the application process is fast and usually takes less than a week. Generally, you will be required to have a down payment and it will often be determined by the Loan-To-Value (LTV) ratio or the After-Repair-Value (ARV) ratio. Just keep in mind that each lender is different and the requirements can vary greatly.

A unique aspect of hard money loans is that they are for a very short term that could be a couple of years, but is more often 12 months. Instead of making monthly payments that consist of the principal and interest like many traditional loans, you will make interest only payments. Some hard money loans don’t require you to make any payments at all, which can make this type of loan appealing to real estate investors. At the end of the term, you will bring the balance to zero through a balloon payment that consists of the principal, the remaining interest and any fees.

Is a Hard Money Loan Right for You?

When people are unable to qualify for a traditional loans, a hard money loan might work because the lenders are more willing to create a custom loan product. Hard money loans are often chosen by people who have bad credit and need money fast. These loans have also become popular because the requirements are more lenient and you’re able to get the money that you need quickly.

When it comes to weighing the benefits and the downsides of hard money loans, some borrowers recognize that having access to quick money can allow them to take advantage of more investment opportunities, which can mitigate concerns. Nevertheless, it’s important to move forward cautiously and ensure due diligence when making a decision.


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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