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 Phoenix

Phoenix Hard Money Lenders

Delancey Street is a premier, and trusted, Phoenix hard money lender. We help real estate investors who need funding get the financial assistance they need. We have ten’s of millions of dollars, available for funding deals. We handle commercial and residential properties all over the USA, and in particular – Phoenix. Regardless of the amount of money you need – we can help. We realize the difficulties real estate investors face when trying to purchase a property and waiting for funding. Many of our team members are real estate investors themselves, and as a result – not only do we know your challenges – but also we know the importance of fast and transparent lending.
Getting a loan for an investment property via a traditional lender can be a huge pain, especially if you have poor credit history. With a very low credit score, it might take you weeks or even months to be qualified for mortgage. In most cases, having a low credit score stops you from getting approved at all. Due to the more stringent requirements after the mortgage meltdown of 2008 – lenders are more strict now. In the event you don’t have good credit, you probably won’t get approved for a real estate loan.
Phoenix hard money lenders, on the other hand, consider the collateral you’re giving up rather than your financial capability to pay the loan back. Phoenix hard money loans are often meant to help companies with funding or purchase investment properties. If you don’t pay back the money given to you, the real estate lender can seize the collateral and sell it to receive their initial loan.
Hard money loans are great for investors that want to renovate or develop a property prior to flipping it at a higher price. Hard money loans can also be used to purchase commercial properties that would otherwise not qualify for traditional loans.  Hard money loans, like any other financial instrument, have their benefits and disadvantages.
Delancey Street isn’t concerned about your credit score. We only care about the collateral and will process your loan fast if your collateral justifies the loan. It is very important to note that hard money lenders aren’t necessarily interested in taking ownership of your property. They only worry about the potential value of your property, and how much money you wish to borrow relative to it’s value (also known as LTV). Most hard money lenders lend 60-70% of your overall property value.
In contrast to traditional loans, hard money loan agreements and terms are flexible. Instead of dealing with a stringent traditional lender, you are dealing with a lender who is here to help you succeed. At Delancey Street, we believe in creative financing – and a large part of that means helping our clients optimize their chances of success. It means working with them, finding the strengths in their project – and leveraging them to get approval for funding.
Get approved for funding, via a hard money loan is a lot easier than a traditional loan. Hard money lenders care about one thing: the value of your collateral. If the collateral offered is worth it, it’s possible to get a hard money loan. Typically, hard money lenders lend up to 60-70% LTV. One of the great things about hard money is that you can get creative when it comes to offering collateral. It’s common for real estate investors to offer multiple assets as collateral, in order to increase the amount of funding they can potentially get. Delancey Street does not look at your credit score, income, or other personal details. The only thing we care about is your business plan, and whether the property in question justifies the requested loan.
It’s possible to apply and receive a hard money loan in 4-6 days. This is valuable, especially for real estate investors who need to lock down a potential sale and can’t wait several months. Most property sellers will refuse to wait for a buyer to get their financing in place. Time is money, and sellers want their money fast. If you take too long, you could lose your next real estate deal without a hard money loan in place.
Repayment period
Unlike traditional loans that offer long terms, hard money loans are a short term financing instrument. Hard money loans typically have a term of 6-24 hours. If you don’t repay the loan by the specific period of time, it’s likely your property will be repossessed and liquidated by hard money lender. Many real estate developers use hard money loans as a stop-gap measure until they secure more permanent financing. Before you take a hard money loan, make sure you know HOW and WHEN you will repay it – otherwise you could risk losing your entire real estate investment.
Interest rates
In contrast to traditional loans, hard money loans can be more expensive. Because they are considered, “high risk,” hard money loans have a higher than average interest rate. Hard money loans close faster than traditional loans, but that speed also comes with a higher interest rate which has to be factored into your calculations. It’s typical for hard money lenders to charge anywhere from 7-12%. Because hard money loans are given for high risk properties, hard money lenders charge more interest.
What a Phoenix hard money lender is looking for
Every Phoenix hard money lender cares about one thing: the success of the project. If you want funding, you have to prove that your project will succeed. That means having a business plan that adequately explains how much funding you need, how the funds will be used, and more importantly – when the funds will be repaid. It’s common for lenders to expect you to have some “skin in the game.” Typically this means they’ll expect you to bring anywhere from 20-40% of the money for any real estate investment. This is to lower their risk, and to incentivize you to finish the project.
What to do next if you’re ready to get funding
Delancey Street can help you if you’re interested in getting funding for your next project. To begin, fill out our loan application, and tell us how we can help you.

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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Steven Norris
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