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

Santa Barbara County Hard Money Lenders


Are you a real estate investor looking for funding for your projects? Do you want to work with a reputable and experienced lender i order to ensure your success? Perhaps you want to know more about hard money lenders.
When you find a fast-moving deal you need to act immediately and secure the loan you need to take advantage of the opportunity. That’s where a hard money loan comes in – to help you get access to cash quickly.

Understanding Hard Money Loans
A hard money loan is a loan from a company that provides financing for investment. Hard money loan is a collateral-backed loan, meaning that the borrower has to pledge an asset in order to be granted the loan.
There are lenders that have great expertise in funding real estate professionals who are having a hard time getting loans from traditional sources. These lenders can be private individuals or companies that have money to invest and are looking to profit from each deal they get involved in. They will finance your deal if they fell your idea is viable and will yield them significant returns on investment.

Why Choose Hard Money Loan
Many real estate investors find it difficult getting the money they need to take advantage of great deals. They resort to lenders that provide fast cash and are willing to work with those that don’t have the financial history or credit record required by banks and other conventional lenders.

hard money loan is a great option for any real estate investors who does not have the qualifications required to obtain a conventional loan.

Finding a Reliable Hard Lender
If you are a real estate investment professional and are looking for funding for an investment property, it is imperative that you do your research before deciding where to look for help.

There are many companies and private individuals out there offering to help fund investment projects. If you are searching for a hard money loan because you have not been able to get a loan from a bank or other conventional lender, then you might be tempted to go with any hard money lender see out there.

Keep in mind that not all lenders provide the same level of service to real estate professionals. It is advisable to resist the temptation to select the first lender you find and do your research first.

Experience of Hard Money Lender
When it comes to choosing the right lender to work with, you need to consider the experience and quality of resources offered by the lender. You ought to select a company that is well versed in the type of transaction you’re handling. Experienced hard money lenders know the industry very well and hav a good understanding of what works and what to avoid.

Reputation of Hard Money Lender
Also reputation matters a lot when it comes to doing business with lenders and other financial sources. Reputable hard money lenders are passionate about helping investors succeed in their venture and will work closely with you to ensure your satisfaction. They will review the deal with you and point out any issues that need to be addressed. Find out about the hard money lender’s reputation in the industry before you ultimately decide to work with them.

Contact Us Right Away For Help
If you want to find a reputable and experienced hard money lender for your next project, it is extremely important to get in touch with us right away. We have been providing services in the industry for many years and we understand what real estate investors need to achieve the success they desire.

We will guide you and make sure you find the right lender for your need. We will work with you and ensure that you secure the funding you need for investment. Our professionals are standing by to assist you. Contact us immediately.

Purchasing real estate anywhere like in Santa Barbara can be quite complex, especially when the homebuyer does not qualify for a conventional mortgage. This leads homebuyers to look elsewhere, and sometimes the solution is a hard money loan.

Still, this type of loan can be helpful to homebuyers who need the cash quickly, but it is a good idea to try to understand everything there is to know about this type of loan before deciding on it.

What is a Hard Money Loan?

In simple terms, hard money loans are an alternate real estate loan. This type of loan is based solely on the value of your collateral rather than speculation on what you might be able to pay in the future.

It should be pointed out that there are varying hard money loans that include the following:

You can see that hard money loans are usually reserved for people who are looking to buy an investment property in Santa Barbara meant to be sold to pay off the debt. People looking to get a loan to purchase their own homes may not qualify.

The Perks of Hard Money Loans

Those looking to invest are going to love some of the perks that come with these types of loans, such as quick financing they often receive within a week, including short loan term lengths just to mention a few.

Keep in mind that the lender is going to require you to come with a little cash, usually based on a Loan-to-Value ration, so the amount is based on how much the property is worth.

Another little perk that investors are going to love are the lenient requirements. Most mortgages come with all sorts of requirements, like standard of income, debt ratios, and acceptable credit scores. Hard money loan lenders check on these things because that is the law, but they are not too interested in those numbers. A hard money lender really cares about the collateral to secure the loan.

The terms are pretty flexible since you will likely not be working with a bank but an individual lender who can customize the loan in your favor. This is not to say these loans do not come with a few pitfalls, like high interest rates or the lack of oversight because there are some bad lenders out there.

When is a Hard Money Loan the Wrong Choice?

Okay, you know that a hard money loan is for investors or people who have a bad credit score, but you should also be aware of when these types of loans are the wrong choice.

One thing that is not wise is to purchase a home with this type of loan when the market is slow. A loan like this can crumble a homebuyer if he or she is unable to turn a profit quickly to pay off the loan due to high interest rates.

You should also make sure you have a reputable lender before deciding on this type of loan. The best way to do this is to talk to a local real estate investor who can direct you to people who are willing to loan you the cash without stiffing you.

Still, it might be a good idea to have a few questions ready to ask your lender before making your choice. The following are just some questions:

  • Do you lend money for owner-occupied properties?
  • How do you want your payments? Interest only? or are you expecting one lump sum payment?
  • What is your interest rate?

Hopefully, some of this information helps you understand these types of loans as you get involved in property investing in Santa Barbara .


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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