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.

Fast

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 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.

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"
Leo
$125,000 Small Business Loan
"Thanks for funding me in literally 24 hours"
Jason
$35,000 Lawsuit Advance
"Great choice for first time fix and flippers"
Mary
$250,000 Hard money Loan

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
WHAT ARE Asset-Based Loans?

What is an asset based loan? An asset-based business line…

101 Things you need to know before you apply for an SBA loan

101 Things you need to know before you apply for…

ESOP

ESOP – employee stock ownership plan, is a qualified employee…

Financing Small Businesses: How It Helps The Entire Community

Small business financing is a great thing, but many people…

Here’s Every Document You’ll Need to take a Small Business Loan

Documentation and paperwork is the single largest obstacle to most…

Delancey Street understands funding like no one else!
Steven Norris
Get Funding Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Apply Now