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 Tucson

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Our hard money loans offer real estate investors in Tucson a new opportunity to increase their portfolio and profits. Hard money loans are much more flexible than a traditional bank loan and other types of financing. For example, a hard money loan allows you to apply with just a property selected. This results in faster closing times. For new and even the most seasoned investors, timing is everything. This article will highlight some additional benefits of hard money loans. Tucson investors will be able to determine if a hard money loan is right for them.

What is a hard money loan, exactly?

A hard money loan is financing that places a strong emphasis on the collateral rather than other factors. While criteria such as credit, income, and assets may come into play, they’re far less significant than with traditional financing. Acceptable collateral types include any non-owner-occupied dwelling, land, multi-unit and other property types. The property must not have significant issues that could delay or be potentially problematic during the loan. Credit is typically heavily weighted by traditional lenders. Tucson investors often run into difficulty with less than perfect credit. Loan processing times are also a deterrent for many investors. With a hard money loan, you’ll be looking at days, not months to get the funding you need to start on your next project. Hard money loans are also much more flexible in their terms. The emphasis is placed on the needs of the investor and property. Reaching the desired outcome is the primary purpose of these short-term loans. Being able to provide this type of financing is more beneficial to both the lender and the investor. The investor can complete more projects in a much shorter time frame, thus increasing profits. Our company benefits from being able to help investors in a pinch and creating repeat and loyal business.

Are hard money loans competitively priced and what are the terms?

We’re happy to be able to provide highly customized loans to real estate investors. This means that the overall picture is considered rather than a “cookie cutter” approach. Traditional financing requires that stringent criteria be met for underwriting and terms are based on governmental and lender based acceptable terms. Since hard money loans are “non-conforming,” this eases the burden in many respects. A hard money loan can be competitively priced and is typically a shorter-term loan. A good rule of thumb is that the loan is typically less than two years in length. Prior to the payoff, the loan can often be converted or refinanced to suit the unique needs of the investor.

What information is needed to apply for a hard money loan?

As with any loan, the more information you have upfront, the better. At minimum, you’ll need to have a property selected and have a game plan in mind. Our company will look at the whole picture and research the property. As previously stated, the collateral and plans for the property must be reasonable and meet any criteria deemed appropriate by the company. Investment information, business financial statements, credit explanations, and personal financial information are some examples of helpful information. Our company will review the request and advise you of any additional documentation that’s required. It’s imperative that you provide this information as quickly as possible to avoid delaying the process. After you’ve submitted the requested information, final approval will be reached, and you’ll go to closing.

Where can I find additional information about hard money loans?

Since a loan is a significant investment, it’s important to weigh your options to see if it’s a suitable match. The Balance offers a good “pros and cons” article regarding hard money loans. The article can be accessed by visiting Wikipedia also offers a great overview of what a hard money loan is and how they work. This information can be accessed by visiting Please keep in mind that this is general information. The best way to find out the exact terms and ask any questions you may have is by reaching out to us. We’ll be happy to review all of your options and determine which type of loan would work best for your unique scenario. We’ll be happy to provide you with any preliminary information that may be needed to begin processing. Getting started is fast and easy. Reach out to us and get the perfect loan for your new project, today!

Most people are familiar with the process of applying for and obtaining a traditional mortgage. What if you are turned down for a mortgage because you don’t meet all of the requirements? For example you might need to work on your credit rating for a few months, or maybe you haven’t been at your job long enough to meet the requirements. An alternative to a traditional home loan is a hard money loan.

Hard money loans are used primarily by real estate investors and developers but they can also be used if you are purchasing a new home but do not have the funds from your old home.

This type of loan can be obtained pretty quickly because they are usually made by an individual or a corporation that is not as heavily regulated as traditional mortgages. There is no long application process. Lenders will check that you do have income and a good credit score, but they are primarily interested in the value of the collateral that you are putting up.

The terms of a hard money loan can be much more flexible than most loans. The term can be for a few months or up to a year or more in duration. It can be set up for a monthly payment of interest with the principal being due at the end of the term. It can also be structured with a balloon note at the end of the term for the entire amount.

It is easy to see that this type of loan would give the investor or developer a definite advantage, allowing them to move very quickly and take advantage of an opportunity as soon as it becomes available.

It is important to remember that everything has a down side, and this type of loan is no different. The interest rate will be higher than those of banks and mortgage companies.
There is much less regulation by the government. That is why it is so important that you know the ins and outs of this type of loan. It would be much easier for an unscrupulous lender to take advantage of you.

When should you consider using a hard money loan? One instance would be when you cannot obtain the loan elsewhere. Again, since the lender is concerned primarily with the value of the collateral rather than your long-term repayment, you would be more likely to get this type of loan if you have a poor credit score. The need to have access to the money quickly in order to take advantage of opportunities as they arise would also lead you to consider this type of loan. Do keep in mind that, more than likely, you will need to put up some of your own money.

There are times when you would want to avoid this type of loan. One example would be if you are in a buyers’ market. If the note comes due before you are able to sell the property you could find yourself unable to repay the lender and he might foreclose on the property. If you do not have a good plan in place to refinance the property you might want to avoid this type of loan. This type of loan is expensive and can border on being predatory. It is a good idea to avoid them if you have other options available.

Lenders for hard money loans tend to be individuals or private institutions so there is a good bit of flexibility in what is available to the borrower. You can shop around and find the one that best fits your needs.

The more informed you are with hard money loans, the more likely you will be to make them work for you. Consider them carefully.


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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