Suffolk County Hard Money Lenders

Get funding for your next project from a top hard money lending institute.

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Considering a hard money loan?

We help real estate investors get hard money/private money loans for their next project. Money and finances should never be the obstacle that stops you from succeeding. We regularly help 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 – and how we can help you capitalize on it. For years, our team members have been helping people capitalize on opportunities using hard money loans, private loans, reverse mergers, other financial vehicles.

  • High LTV

    We fund loans up to 80-90% LTV. We look at the value of your property, and your overall business plan when deciding whether to fund you.

  • Fast

    We realize deals can disappear if you don't have fast funding. We promise to treat you like a partner, and work fast to help you get funding.

  • No $ Limit

    We're a growth focused private money lender. That means we work fast to fund your deal, and there's no limits on what we can do for you.

Do you need a loan for real estate projects?

Complete Borrower Loan Form

Recently Funded Projects

Residential Refinance

Residential refinance in Los Angeles, with a loan amount of $830k, at 75% LTV. We were able to help the investor get a loan at 8.99% with a balloon payment after 18 months.

Raised APR ARV
$830,000 8.99% 75%

Residential Investment

Delancey Street funded a new residential purchase in California, for $1.2 million with 82% LTV. We helped the developer with a loan at 11% with a balloon payment in 9 months.

Raised APR ARV
$1,200,000 11% 82%

Allen Park, MI Rehab

On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire.

Raised APR ARV
$135,000 9.0% 63%

Suffolk County Hard Money Lenders

Hard money loans have been in use for decades, but many real estate investors are still relatively unfamiliar with them. Some investors do not know what they are or how they work. Others may have heard that they have a short term and a high interest rate, and they may not see how such terms may be advantageous in an investment situation. The reality is that investors who understand what hard money loans are and how others have successfully used them to boost profits are able to take their investment activities to the next level.

Who Makes Hard Money Loans?
One of the first differences that you will notice about hard money loans is where you obtain them from. With a typical real estate loan, you may apply online with a local or regional bank. You could also walk into your credit union’s branch office down the street. Traditional real estate loans usually offer a permanent financing solution for commercial and real estate properties, and this financing is available through a financial institution. A hard money loan may also be used for residential and commercial properties, but the source is different. A hard money loan is a type of private real estate loan. This means that either a private lending company or a private individual is funding the loan.

How Are Hard Money Loans Unique?
The source of funds for a hard money loan versus a bank creates substantial differences between these two financing options. Banks have minimal or no leniency for loan requests that fall outside of their predetermined lending requirements. These requirements are usually lengthy, and they may involve a minimum occupancy requirement and minimum cash flow level for the property, a property that is well-maintained, an applicant with a minimum credit score and more. When even the smallest requirement is not met, the result is usually a loan denial. Because hard money loans are funded by private companies or investors, they set their own requirements. In most cases, the main hard money loan requirement is that the property value supports the loan amount. Applicant requirements are minimal at best. In addition to the uniqueness of hard money lending requirements, the loan terms are also different than bank loans. The loan-to-value is lower, and there is usually a very short loan term with a final large balloon payment. While these loans are often interest-only loans, there is a high interest rate associated with them in most cases.

Who Uses Hard Money Loans?
The loan terms for hard money financing may sound less than ideal, and you may wonder how they could possibly be used by an investor to achieve incredible profits. Many real estate transactions that involve repositioning are very lucrative. For example, a property may be offered for sale well below market value because its occupancy rate is low or the property has substantial deferred maintenance. These properties could be fixed up quickly and leased to quality tenants. In fact, they could be improved to such a superior level that they outperform the average property in the area. Selling a property after it has been repositioned is a great way to turn a profit in a short period of time when the right property is selected, and hard money financing is ideal for this situation. This is only one of many scenarios when hard money financing makes sense. Because a hard money loan may close weeks or months sooner than a bank loan, hard money loans may be used when a closing must happen without delay.

Hard money loans do not have the most attractive or competitive loan terms, but the loans that have the most competitive loan terms are not always suitable for the most potentially profitable real estate deals that you may come across. After learning more about hard money loans today, you can contact several private lenders to explore specific loan terms that may be available to you.

Do you need a loan for real estate projects?

Getting Started Is Simple & Easy
  • Contact us regarding your opportunity
  • We’ll reach out to you, and discuss the specifics
  • We finalize the transaction and help you
Get pre-qualified for a potential investment
  • Get pre-qualified for your next real estate purchase
  • Risk free – with no credit check, or any commitments

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