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

Visalia-California Hard Money Loans

Understanding hard money loans
Life would be much easier if all people are equal in terms of financial abilities. However, this is usually not the case. Sometimes people need to acquire real estate properties with little or no cash. Worst case scenario, you might not qualify for conventional mortgages. Such situations call for hard money loans. However, it is crucial to understand if this is the right option for you or there are better options available in the financial lending sector. This article will let you understand hard money loans into details and help you make an informed decision.

Hard money loans- everything you need to know

A hard money loan is a type of a real estate loan that is purely based on the value of the collateral you are offering rather than your ability to repay the loan. This means that your qualification for the loan is not based on financial metrics such as credit scores. This is typically a loan for the entrepreneurs and the go-getters in the real estate industry who take substantial risks in real estate investments. There are several types of hard loans such as bridge loans, owner-occupied loan, construction loan, fix-and-flip loan, and plenty more. This different types of hard loans serve different types of real estate development investments. The bridge loan is intended for investors with a goal of buying a property and resell it later at a profit. The fix-and-flip loan is usually meant for home staging to increase the selling price of a property. The owner-occupied loan is a hard money loan offered to entrepreneurs who do not qualify for other loans or financing to purchase real estate properties. The construction loan is provided to allow investors to start a real estate project and resell it quickly.
Hard money loans are, however, not lend to anyone. They are primarily offered for investment purpose. Thus, it is hard to get such a credit to fund a private home.

Benefits of Hard money loans

The term “hard” in hard money loan in a way not suitable. Obtaining this loan is simple, and it has numerous straightforward benefits to investors in real estate development. Some of these benefits include;

  • The process of acquiring the loan is simplified and a lot easier as compared to many weeks spent filling out forms for mortgage loans and other kinds of financing.
  • The loan is offered in flexible terms and conditions.
  • Lenient requirements for getting the loan.
  • Increased investment opportunities due to easy access to large sums of cash. Real estate investors can make a vast fortune of hard money loans against competitors.

Shortcomings of hard money loans

Although hard money loans come with a myriad of benefits, the loans are tied to some distinct pitfalls as well. Some of which include the following.

  • A short repayment time frame.
  • High-interest rates.
  • High fees for obtaining the loan.
  • Lack of supervision and regulation by the government.

Situations that call for hard money loans

Basing on the downsides and the benefits you can get from the hard money loans, it crucial to know when it is the right time to go for the loan. The following are the situations when you should consider taking a hard money loan.

  • When you need fast money.
  • When you have a poor credit score.
  • When you can’t get funding elsewhere.

Getting hard money Loans

Private institutions and individuals generally offer hard money loans. Thus, the process involves less paperwork and procedures. The most significant determinant factor is the collateral you are proposing to obtain the loan. There are numerous lenders in Visalia, California. The best way to find a reliable lender is through doing thorough due diligence. The local real estate investors in your area may be a good source of relevant information alongside internet research. When time is of critical essence to your investment, hard money loan could be a way out to groundbreaking real estate investments.

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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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