Investor financing
Hard money loans in New York
Fast, asset-based financing for 1-4 unit investment property, arranged through the private and institutional lenders in our network. We analyze the deal and place it. You'll know who your lender is, and exactly what we're paid, before you spend a dollar.
What hard money actually means
Hard money is short-term financing secured by the property, not by your tax returns. A private or institutional lender sizes the loan against the asset, the purchase price, the rehab, and the after-repair value, and funds in days rather than the weeks a bank takes. Investors use it to move on time-sensitive deals a conventional lender can't close in time. The trade-off is a higher rate and a shorter term, so the numbers have to work and the exit has to be real. That's the part we pressure-test with you before anyone commits.
How we arrange it
We're an intermediary, not a lender. You send the deal; within 24 business hours you get real indicative terms, or a straight no with the reason. Before you spend a dollar, we tell you in writing which lender we're placing you with, why they fit, and our fee, fixed. We package the file to that underwriter's spec, read the term sheet with you, and get you to the closing table. See the six steps.
What we arrange in New York
Fix & flip. Short-term financing to buy and renovate, sized against the after-repair value, with the rehab paid out in draws. You exit by sale or a DSCR refinance.
Buy & hold / DSCR. Longer-term financing for a rental, qualified on the property's cash flow rather than your personal income. Full detail on both is here.
Loan amounts run $500,000 to $2,500,000, secured by non-owner-occupied 1-4 unit investment property across New York. Business-purpose only, to entity borrowers: your LLC borrows and you guarantee. The lender sets the terms; we place the deal.
Size a deal before you send it
Hard money is sized by two limits, roughly 75% of total cost and 70% of after-repair value, whichever is lower. Run your own numbers with the Deal Sizer, then send the deal for real terms.
No upfront fee
You never pay us before your loan closes. No application fee, no underwriting fee, no retainer. We're paid once, at closing, out of escrow, as one line on your settlement statement. If the deal doesn't close, you owe us nothing. That's the standard, in writing.