Vallejo-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

Vallejo-California

When obtaining a loan to purchase investment properties, the process can be difficult. Since banks prefer those purchasing residential properties, as well as those who have excellent credit, real estate investors who have had past problems with bad credit or other issues can be left out of the equation. However, as the popularity of hard money loans has increased in recent years, more real estate investors have found this to be a convenient and useful source of financing for various projects. But to use these loans as effectively as possible, it is important to know as much about them as possible.

The Property is Your Collateral
Unlike traditional mortgages where the bank looks primarily at your ability to repay the loan, a hard money loan lender looks instead at the value of the property you are wishing to purchase. Thus, the property itself becomes the loan’s collateral, making it much easier for you to be granted the loan. Since the lender will know that in the event repayment is not made they will obtain the property, they have little to lose. Because of this, they are generally willing to provide funding for various types of investments, such as construction projects, new businesses, and fix-and-flip properties.

Short Payback Periods
If you obtain a hard money loan, be prepared to pay it back much faster than a traditional mortgage, usually in no more than 12 months. However, depending on the lender you use and the circumstances surrounding your investment project, a lender may give you as much as three years to pay off the loan. But unlike a mortgage, you will not be making equal monthly payments toward principal. Instead, your payments will be interest-only payments, with a balloon payment at the end to cover any remaining principal, interest, and fees.

Easy and Quick Process
For many investors, waiting weeks for a mortgage loan to be approved is out of the question, especially if a property needs to be purchased as quickly as possible. By choosing a hard money loan, the ability to have cash in your hand is made much faster. Since these loans are made by private individuals and institutions that are required to follow few if any regulations, they can put money in your hand in less than one week in most cases. Along with this, the application process is much easier and convenient, since the lender is not wasting time doing credit checks and other time-consuming tasks.

Pay Attention to the Details
While there are many benefits associated with hard money loans, there can also be numerous pitfalls of which you should be aware. For starters, the interest rates on these loans can be quite high, often well into double-digits. Along with this, there will be numerous fees added to these loans, such as origination fees, underwriting fees, and any fees associated with early payback of the loan. And of course, since the payback period will be far less than a mortgage, make sure your investment plans are sound. Otherwise, you may either be foreclosed upon by the lender, or find yourself having to refinance the property, often at a much higher interest rate.

All Lenders are Different
While all hard money loans have basically the same financial details, that does not mean all hard money loan lenders are alike. While one lender may have little problem providing you with funds for a construction project, another may instead choose to focus primarily on fix-and-flip loans. Therefore, always ask other investors in your area for information about various hard money loan lenders who may be able to help you secure the financing you need. By doing so, you will have a number of options available to you in regards to financing your latest project.

Hard Money Loans

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