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.
Some of the parts of NY we lend in : Brooklyn, Bronx, Queens, Manhattan, Staten Island, Long Island
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
Case Studies in New York
Mixed-Use Brooklyn Deal: Purchased a 3-unit mixed-use building in Bushwick, rehabbed commercial + residential units out of pocket, closed in 20 days.
4-Unit Residential Rehab Staten Island: Rehabbed a 4-unit residential property in Staten Island, 90% purchase, 100% repairs, closed in 7 days.
5-Unit Apartment Refinance Queens: Refinance of a 5-unit apartment building at 75% LTV, helped investor pull equity for next deal.
Asset-Based Loan Manhattan: Funded a $4M mixed-use property in Manhattan at 50% LTV; perfect for investors with strong property but low credit scores.
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).
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.
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.