San Francisco Fix and Flip Lenders

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

San Francisco Fix and Flip Lenders

Best San Francisco Fix and Flip Loans

Unless you’ve been living in the Amazon without an Internet connection, you know the San Francisco real estate market is on its way to the stratosphere. For starters, San Francisco ranks as one of the world’s most beautiful and culturally diverse cities. Tech companies are revolutionizing society from Silicon Valley, and San Francisco real estate enjoys the benefits. People come from all over the world to work and live in this metropolis, and they are people with real money to spend.
San Francisco real estate prices also benefit from scarcity. There’s only so much room, and the population boom of moneyed professionals continues. That situation sets up the opportunity to make money through fix-and-flip real estate investments.
How to benefit from this boom
Even the most rundown property has massive profit potential if it’s in the right San Francisco location. In fact, if you can get that rundown property at enough of a discount, it might be the goldmine you’ve been dreaming about. In the fix-and-flip game, it’s all about how low you can buy and how high you can flip. When you turn a fixer upper into a trendy San Francisco pad, you earn huge.
Of course, if you don’t have the money to make it happen, then it’s just a dream. That’s why benefitting from the San Francisco boom requires a lending partner that specializes in fix-and-flip loans. Lenders like Delancey Street underwrite fix-and-flip loans in the San Francisco market every day. When you have their backing, you can land that golden opportunity.
Fix-and-flip opportunities
Fix-and-flip loans work because the business opportunity presents profit-making potential. To get approved for a fix-and-flip loan, you need to find a property that you can make money on by flipping. Some properties are poor candidates. They are in the wrong location. They are priced too high. They are already updated.
Ideal fix-and-flip properties are purchased below market value. They are not necessarily cheap. A $1 million San Francisco house may be below market value. Market value matters above all because it represents profit potential.
Properties are below market value for many reasons. Often, they are foreclosed or distressed properties. They may also need work. These provide golden investment opportunities.
How the San Francisco fix-and-flip loan works
Once you find your below market property that needs some TLC, you need a loan and you need it now. San Francisco’s real estate market is a modern day gold rush, and the competition wants to stake its claim on your golden opportunity before you can. Fix-and-flip lenders don’t take weeks or months to close a loan. They close loans in days or less. In this market, you need a lender like Delancey Street, or you will get beaten every time.
Traditional lenders take 30 days or more to approve loans because they are primarily interested in qualifying the borrower instead of qualifying the property. They spend all that time reviewing the borrower’s credit history, income history, and verifying any piece of information that reveals whether the borrower can make the payments and keep making the payments for years into the future. Who can blame them? If they’re writing a 30-year mortgage on a $2 million San Francisco home, they probably need to make sure the borrower isn’t going to disappear a year later.
Fix-and-flip lenders like Delancey Street base approvals on the profitability of the deal, not credit score and income history. Fix-and-flip real estate is a short-term business. For that reason, fix-and-flip loans are short term. Six months to one year are typical term lengths.
With loan terms so short, the lender is concerned with the ability of the borrower to successfully flip the property during that time. The borrower’s credit and job have little to do with that. What matters is the price of the property, the cost of the renovations, and the selling price when the property is flipped. If that adds up to big money, your loan goes through.
LTV and down payments
When a borrower applies for a traditional 30-year mortgage, especially on an expensive San Francisco property, the lender typically requires a 20-percent down payment. This down payment brings the loan-to-value (LTV) to 80 percent of the value, a level that makes the traditional lender comfortable that the borrower is unlikely to default and abandon the home. At San Francisco prices, 20-percent down is no small ask!
Fix-and-flip loans require no giant upfront investment. No money down approval becomes possible when you find a solid fix-and-flip opportunity because fix-and-flip loans can be based on the after-repaired value (ARV). The ARV represents the price for which the property will be flipped. This loan structure not only allows the borrower to get a no down payment loan, it can also provide cash to complete the repairs.
Fix-and-flip loans are making big profits a realistic possibility for business-minded individuals, even if they don’t have a lot of seed money. Smart investors know there is big money to be made in San Francisco real estate. When you find a solid investment and get a fix-and-flip loan, big profits are in your grasp.

Hard Money Loans

Need funding for your next project?

Complete Our Application