Hard Money Lenders New York – Fast DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
We provide fast, flexible hard money financing to investors across New York, including NYC, Brooklyn, Queens, Staten Island, Bronx, Long Island, Buffalo, and Albany. Our loan programs help landlords, builders, and real estate professionals close deals quickly and efficiently.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Hard Money Lenders New York provides investors with fast, reliable funding for all types of real estate ventures. From flipping homes to acquiring rental properties or building new spec homes, our loans are designed for speed, flexibility, and minimal hassle. Investors across NYC, Long Island, Buffalo, Albany, and other key markets turn to us for solutions that keep their projects moving on schedule.
Our programs include DSCR 30-year rental loans, fix & flip financing, spec construction loans, asset-based lending, and commercial hard money options. By combining local market knowledge with streamlined approvals, we help New York investors access capital quickly, ensuring they never miss an opportunity in this competitive real estate landscape.
We actively fund deals across New York including all five boroughs — Brooklyn, Queens, Manhattan, the Bronx, and Staten Island — as well as Long Island, including Nassau County and Suffolk County.
Hard Money & DSCR Loans in NYC and Long Island
Real estate investors across New York City and Long Island rely on fast, flexible financing to compete in one of the most active real estate markets in the country. Our hard money lenders New York programs fund deals throughout all five boroughs — Brooklyn, Queens, Manhattan, the Bronx, and Staten Island — as well as Long Island, including Nassau County and Suffolk County.
Investors in NYC frequently use DSCR loans New York to acquire and refinance rental properties based on income rather than personal tax returns. This is especially valuable in high-demand rental markets like Brooklyn and Queens, where strong rental cash flow supports long-term investment strategies.
In Long Island, including Nassau and Suffolk County, investors focus heavily on fix and flip opportunities and rental property acquisitions. Our hard money loans New York provide the speed needed to secure deals, complete renovations, and exit quickly in competitive suburban markets.
Whether you are financing a mixed-use building in Manhattan, a multi-family property in the Bronx, or a single-family flip in Long Island, our loan programs are structured for speed, flexibility, and reliable execution.
DSCR Loans New York – Rental Property Financing
Our DSCR loans New York program is designed for real estate investors building and scaling rental portfolios across NYC and Long Island. These loans qualify based on property cash flow rather than personal income, making them ideal for investors with multiple properties or complex financials.
DSCR loans are commonly used for 1–4 unit residential investment properties, including townhomes and warrantable condos. Investors benefit from long-term 30-year financing, competitive rates, and streamlined approvals without W-2s or tax return requirements.
- Up to 80% Loan-to-Value
- Minimum DSCR typically 1.05x–1.10x
- 30-year rental financing
- Entity (LLC) closings required
- Close in as little as ~14 days
From Brooklyn brownstones to Queens multi-family properties and Long Island rentals, DSCR loans provide the flexibility investors need to grow efficiently in New York’s competitive market.
Investment Loan Programs in New York
New York Fix & Flip Loans
Short-term financing for investors flipping residential properties in New York. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Terms Based on Credit & Flip Experience
New York Spec Home Construction Loans
Finance ground-up residential builds with fast approvals and flexible draw schedules.
- 1–4 Unit Residential Projects
- Up to 85% Loan-to-Cost
- Interest-Only During Build
New York 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than personal income.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in as little as 14 Days
New York Asset-Based Hard Money Loans
Loans secured by property assets for residential and commercial investors needing fast, flexible financing.
- 1–4 Unit Residential
- 5+ Unit Residential
- Commercial: Retail, Office, Warehouse, Mixed-Use
- 50% Loan-to-Value Maximum
- Close in as little as 2 Weeks
New York Commercial Hard Money Loans
Financing for commercial real estate investors across New York, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Recent New York Real Estate Investment Loan Case Studies
Brooklyn Mixed-Use Rehab – Hard Money Loan
Investor acquired a 3-unit mixed-use building in Bushwick using a hard money loan New York. Renovations completed on both residential and commercial units before resale.
- Property Type: Mixed-Use (3 Units)
- Location: Brooklyn (NYC)
- Loan Type: Asset-Based / Hard Money
- Closing Timeline: 20 Days
Bronx DSCR Rental Purchase – 1.1x Ratio
Investor used a DSCR loan New York to acquire a 2-unit rental in the Bronx. Qualification based solely on rental income.
- DSCR Ratio: 1.1x
- Rental Income: $4,200/month
- Loan Term: 30-Year DSCR
- Property Type: 2-Unit Residential
Staten Island Fix & Flip – 4 Unit Residential
A Staten Island investor used a fix and flip loan New York to acquire and renovate a 4-unit residential property.
- Purchase: 90% Financing
- Rehab: 100% Funded
- Property Type: 4-Unit Residential
- Closing Timeline: 7 Days
Queens DSCR Rental Refinance – 5 Unit Property
Investor refinanced a 5-unit apartment building in Queens using a DSCR loan New York, pulling equity to scale their rental portfolio.
- Loan-to-Value: 75%
- DSCR-Based Qualification
- Property Type: Multifamily (5 Units)
- Use Case: Rental Refinance
Manhattan Asset-Based Loan – Mixed-Use Property
Investor purchased a $4M mixed-use property in Manhattan with a 50% LTV asset-based loan. Ideal for those with strong property but low credit scores.
- Property Type: Mixed-Use
- Location: Manhattan (NYC)
- Loan-to-Value: 50%
- Use Case: Purchase & Rehab
Long Island Fix & Flip – Single-Family
Investor acquired a single-family property on Long Island for flipping. Used a hard money loan with fast approval and draw schedule.
- Location: Long Island, Nassau County
- Loan Type: Fix & Flip
- Funding: Up to 90% Purchase + 100% Rehab
- Closing Timeline: 10 Days
Long Island Mixed-Use Asset-Based Refinance
Investor refinanced a mixed-use property on Long Island using a DSCR/asset-based loan, 50% LTV, with 580 credit score.
- Location: Long Island, Suffolk County
- Loan Type: Asset-Based / DSCR
- Credit Score: 580
- Loan-to-Value: 50%
Brooklyn DSCR Rental Purchase – 80% LTV
Investor acquired a rental property in Brooklyn with a DSCR loan New York at 80% of purchase price.
- Location: Bay Ridge Brooklyn
- Loan Type: DSCR
- Loan-to-Value: 80%
- Property Type: Residential Rental
Local Market Insights
Brooklyn: High-demand neighborhoods like Bushwick and Williamsburg have strong rehab potential.
Queens: Multi-family properties in Astoria and Flushing offer excellent cash flow opportunities.
Manhattan: Asset-based loans perfect for high-value commercial and mixed-use properties.
Staten Island: Single-family and small multi-family projects benefit from fast-close hard money.
Nassau & Suffolk Counties: Suburban properties for flips or rentals, no income doc loans available.
Why Choose Hard Money Loans in New York?
Fast approvals: Decisions in hours.
Flexible terms: 12 months, interest-only options available up to 30 year terms.
Local expertise: Each borough evaluated by experts familiar with neighborhood trends.
Wide coverage: Servicing NYC boroughs and Nassau & Suffolk counties as well as upstate (non rural areas).
Serving Investors Beyond New York
Many New York investors acquire properties in neighboring states. We provide hard money loans throughout
New Jersey
and
Connecticut,
allowing investors to scale their portfolios across state lines with consistent underwriting.
Frequently Asked Questions
What is a hard money loan in New York?
A short-term, asset-based loan secured by real estate rather than personal credit. Ideal for flips, rentals, and bridge financing.
How do hard money loans work in New York?
Based on property value and deal strength. Lenders evaluate after-repair value, cash flow, and location to provide fast, short-term funding.
How quickly can I get funding?
Most loans close in 7–10 days with decisions in 24–48 hours, depending on project type and documentation.
What credit score is required?
Credit is not the primary factor. Approval focuses on property quality and deal strength.
What types of properties qualify?
Single-family homes, multifamily units, mixed-use buildings, and commercial investment properties.
What are typical loan terms?
Terms range from 6–24 months. LTV ratios vary by loan type, usually 50–90%. Interest-only payments are common.
What fees are involved?
Points, appraisal, inspection, and closing costs. Transparency is provided upfront.
Can loans be used for rental properties?
Yes, including DSCR loans for multi-family and portfolio rentals across New York.
Can loans be made to LLCs?
Yes, all programs can be closed in LLCs or other business entities for liability protection.
When should you not use a hard money loan?
Not suitable for primary residences or long-term conventional financing. Best for short-term investment projects.