Santa Rosa-California

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity

1

High LTV

We fund hard money loans up to 80-90% LTV with no issues.

2

Fast

We promise to treat you like a partner

3

No $ Limit

No limits on what we can do for you.

Business Funding

Our client was a trucking company based out of NY, that needed quick funding. In 24 hours, we arranged $100,000 in funding.

Raised
APR
ARV
700,000
9,0%
60%
100% Funded!

Residential Refinance

We funded a purchase in California, for $1.2 million with 65% LTV. We helped the developer with with a 11% loan with balloon payment.

Raised
APR
ARV
1,200,000
11%
82%
100% Funded!

Lawsuit Funding

Client was injured in a car accident and needed a cash advance on the future value of his lawsuit. In 48 hours, our funders wired funds over.

Raised
APR
ARV
830,000
8,99%
75%
100% Funded!

PARTNERS FIRST.
LENDERS SECOND.

Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

Steven Goldman

Founding Partner (Goldman & Associates
Chicago Lawyer)

Industries We Service

Cannabis
Residential Real Estate
Commercial Real Estate
Startups

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

We’re here to answer your
questions. Contact us anytime:

Minimum Qualifications Requirements

Delancey Street’s team consists of builders, developers, hard money lenders, and entrepreneurs. We understand your project has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

At the end of the day, we look at you – just as much as the quality of the deal and the qualifications.

  • Risk Free. No Application Fees.
  • Decisions Within 48 Hours.

Hard Money Loan Guidelines

Speed We close within 24-48 hours
Paperwork Not much
Qualification Project and LTV matter. We don’t care about your credit.
Maximum LTV 80-90%
Loan Terms 12-48 Months

It’s Simple

  • 1 Tell us your financial request
  • 2 We consult & provide terms
  • 3 We finalize the transaction

Get pre-qualified

  • Looking to purchase a property
  • No obligation and no effect on y
Get pre-qualified today

Santa Rosa-California

If you’re looking for financing options that are as easy as they come, hard money loans might be the solution. Perfect for investing in real estate, hard money loans offer borrowers easy access to quick capital, making it easier than ever to purchase property.

Is a Hard Money Loan Right for Me?

Though many investors choose to use hard money loans, you have to decide if this is the right financing option for you. While there are countless benefits with hard loans, will they meet your investing needs? Read on to learn why hard money loans work to see if they are the solution you need.

Why a Hard Money Loan Works

As you compare hard loans to other alternative financing options, you’ll see why real estate ventures are perfect for hard money loans. Consider the following benefits:

  • Quick cash

    Hard money loans are often the quickest solution for investors looking for access to capital ASAP. With a hassle-free process and very minimal requirements, investors are often able to cash in on their loan in one week or less.

  • Lenient requirements

    Other options for financing are notorious for their complicated application and acceptance process. With traditional mortgages, lenders are required to check that borrowers have a certain credit score, standard of income, and amount of debt. Investors that are lacking in any of these areas find hard money loans to be their saving grace.

    Most lenders of hard money loans in Santa Rosa, California base their final decision on the collateral that investors use for their loan. If you have property that can be used as collateral, you should have no problem finding a willing lender.

  • Flexible terms

    Hard money lenders are mostly private institutions and individuals. This fact allows them to have more flexible terms when creating an agreement with borrowers. These custom loans are designed to fit whatever needs you have as a real estate investor.

  • Access to more opportunities

    With hard money loans, investors can easily access flexible cash, which allows them to take advantage of more opportunities that come their way. Instead of having to pass over an opportunity because you don’t have the capital, with hard money loans you’ll be able to say “yes” to any venture that looks like a good idea.

Downsides to Hard Money Loans

As with any financing option, there are downsides to hard money loans.

  • High Interest rates

    Most people that have reservations about hard money loans do so because of the high interest rates. These interest rates are often well into double-digit territory and are ever-increasing. Despite this, many investors figure the benefits outweigh the risks. As most of these loans are for short-term periods, the interest rate isn’t as impactful as it might be with a traditional mortgage or other financing alternative.

  • Minimal regulations

    While hard money lenders are regulated by the state, the lack of federal oversight worries some borrowers. With all of the loan sharks disguising themselves as reputable hard money lenders, many investors that are inexperienced with hard money loans may fall prey to unscrupulous activity.

  • High fees

    High fees often accompany high interest rates with hard money loans. Most lenders like to include additional expenses with the initial cost of the loan and the interest. Early-payment penalties, underwriting fees, origination fees, and construction draw fees are all examples of what some lenders expect borrowers to pay when their loan comes due.

  • Short terms

    The short term of a hard money loan is a benefit in regards to the interest rates—not so much when considering the short payback periods. Some lenders even expect the loan to be repaid in two years or less.

While many investors ultimately decide that the benefits of hard money loans outweigh the drawbacks, you need to make that choice for yourself. Use this guide during your research of using hard money loans for real estate investment.

Hard Money Loans

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