Direct Hard Money Lenders in New Jersey, New York and Pennsylvania lending to Real Estate Investors Nationwide


The Leading Lender for Real Estate Investors


New Jersey, New York and Pennsylvania Hard Money Lenders lending Nationwide


Investment Property Loans – Fix and Flip Hard Money Lenders


Hard Money Lenders Funding in as little as a week!

Inc. 5000 honoree 2022                                              Submitting your Investment property Loan or fix and flip hard money loan application is quick and easy.

American Association of private lenders member

As New York, Pennsylvania and New Jersey Hard Money Lenders, we provide investment property loans nationwide.

As New YorkPennsylvania, and New Jersey Hard Money LLC extends its services nationwide. Since 1998, we have been providing hard money loans to real estate investors across the country. As we celebrate 26 years of facilitating investment property loans in 2024, our track record speaks for itself.

Over these two and a half decades, we’ve closed and funded over 26,000 investment property loans, totaling an impressive $3.5 billion in transactions. Our reputation rests on industry expertise and swift closings. When you need speed, transparency, and a lender you can rely on, look no further. LLC holds the distinction of being the #1 rated nationwide hard money lender on Hard Money Advisor. Additionally, we are proud members of the American Association of Private Lenders. Our commitment to excellence ensures that your investment journey is supported by a trusted partner.

Remember, successful real estate investors understand that a competent and reliable lender is pivotal to their achievements. Rest assured, with, you won’t lose sleep wondering if the funds will arrive at closing—our satisfied clients vouch for us!

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans.

Shaun Dozier
Shaun Dozier
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
The experience my husband’s and my company (Kingdom Realty, LLC) had with, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
Great company great experience
Joe Matthews
Joe Matthews
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

Why LLC is the Best Hard Money Lenders for Beginners LLC stands out as an excellent choice for beginner real estate investors seeking hard money loans. Here’s why:

  1. Simplicity and Speed:

    • As a beginner, you want a straightforward process. LLC offers quick approvals, often within 24 hours.
    • Their streamlined approach ensures you can focus on your investment strategy without unnecessary delays.
  2. Transparent Terms:

    • New investors often worry about hidden fees or complex terms. With LLC, you get no BS.
    • They provide clear loan terms, so you know exactly what to expect.
  3. Proven Track Record:

    • With 26 years of experience, they’ve funded over 26,000 investment property loans totaling $3.5 billion.
    • Their expertise speaks volumes, making them a reliable partner for beginners.
  4. Industry Recognition:

    • #1 rated nationwide hard money lender on Hard Money Advisor.
    • Proud members of the American Association of Private Lenders.
  5. Client Testimonials:

    • Previous clients vouch for their reliability and professionalism.
    • When dealing with, you can trust that the funds will show up at closing.

In the world of real estate investing, having a dependable lender is crucial. LLC offers simplicity, speed, and a track record that sets beginners on the right path. 

The market leading lender for investment property loans and fix and flip lenders based in NJ

Hard Money Loan FAQ’s from

We are a direct lender. What this means is we do not have to go out and search for money to lend on your deal, we are the decision maker and checkwriter.
A minimum FICO score of 660 is required for rental loans. For fix and flip rehab loans, we will go to 620, and for ground-up construction and mixed-use properties, we will go to 680.
Our office is located on the Jersey shore. When we first opened we were located on Long Island in New York, however we still run our underwriting and processing out of our New York City location.
Real estate investors use hard money lenders to purchase fix-and-flip or buy-and-hold properties. In most cases, these loans are secured by the property instead of the borrower's credit or financials, and are based on a percentage of its value. While hard money lenders provide quick access to capital, their interest rates tend to be higher than those of traditional lenders. In addition, they require more paperwork and have stricter approval guidelines. Aside from closing costs, borrowers must demonstrate that they have the funds to make monthly payments.  Understanding the terms and conditions of a hard money loan is important before applying. Find a lender that offers competitive rates and terms that meet your needs by researching different lenders.
Hard money lenders price their loans based off several factors and the loan type. On short term 1 year loans (fix and flip, construction, stabilized bridge), rates are determined by the borrowers experience with rates in the 10-12% range.
Never, ever! Our borrowers do not pay us upfront. Direct payment will be made to the appraiser. Brokers are typically the only ones who charge upfront fees. We don’t deserve to get paid if we can’t close your loan.
Our hard money loans are available for non-owner occupied and investment properties. We never make loans for houses that our borrowers intend to live in.
To fund a hard money loan, we require a purchase contract (or HUD from the purchase), rehab budget (if this is a fix and flip), bank statements, entity documents, credit report, background report, appraisal (we order the appraisal).
Hard money lenders look for a variety of things when looking at a deal to fund. Below are some of the items we consider 1. is the borrower a citizen, foreign national or green card holder? 2. Is the borrowers deal profitable? If they hold the loan for a year will they make money? 3. borrowers experience level 4. borrowers background - We conduct a background check. The majority of issues can be explained with a simple letter of explanation, but financial crimes, federal drug and weapons charges are a no-no. 5. Is the borrower willing to sign a personal guarantee for their loan? On all rehab/construction loans, a personal guarantee is required. Loans on portfolios can be made on a non-recourse basis. 6. Does the borrower have a corporation or LLC to close their loan under to take title of the property? 7. Does the borrower have the required down payment and reserves to qualify?
The closing process for a hard money loan typically takes 7 to 20 days. In any case, the exact timeline can vary depending on the lender and the specifics of the loan. Lenders are generally able to provide capital quickly and without a lengthy application process. Rather than relying on traditional lending arrangements, investors are able to close on their investments more quickly. Some hard money lenders may also work with borrowers and provide special accommodations if they need funds more quickly than usual. This could include shortening the loan term or waiving certain fees associated with closing on the loan. A hard money loan is an efficient way for investors to access capital quickly so that they can take advantage of attractive investment opportunities as soon as possible. A loan closing typically takes between seven and twenty days, but in some cases a lender may be able to shorten this timeline.
Of course we make hard money loans for beginners. You have to start somewhere right?
100% financing is not available for purchase money deals. We can lend you 100% of the rehab funds if you own a property free and clear. (The same applies to building a house on a free and clear lot.)
We make hard money loans on the following types of properties: Residential properties with 1-4 families Condominiums Mixed use Apartment buildings with five or more units We can loan funds for both lot purchase and ground up construction (only if we loan both funds at the same time)

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States that we lend in: