Hard Money Lenders New York Since 1998
Hard Money Lenders New York Since 1998- Hard Money Loans for New York Investors
Fast, flexible, and local lending for investors across New York City, Long Island, and upstate markets. Whether you’re flipping, refinancing, or building new, we provide capital to close deals quickly.
Investing in New York Real Estate
The New York real estate market is competitive, high-value, and diverse. From multifamily apartments in Queens to mixed-use buildings in Brooklyn, investors need fast, reliable capital to succeed. Long Island and Upstate NY offer opportunities for fix-and-flip projects, rental property portfolios, and new construction. Our hard money loans help investors navigate these markets with speed and flexibility.
We understand local zoning rules, neighborhood trends, and cash flow expectations. Every loan is evaluated based on property value, deal strength, and projected returns, ensuring the right financing solution for your investment strategy.
How to get a Hard Money Loan Video from Hard Money Lenders New York – HardMoneyMan.com LLC
Some of the parts of NY we lend in : Brooklyn, Bronx, Queens, Manhattan, Staten Island, Long Island
Fix & Flip Loans in New York
Short-term loans for residential investors who want to rehab and sell properties quickly. Approval focuses on deal quality and after-repair value as well as the borrower’s credit and experience.
- Staten Island: 4-unit residential rehab — $850,000 loan, 90% purchase + rehab, interest-only, flipped in 6 months.
- Brooklyn: Single-family home flip — $420,000, 70% ARV, closed in 7 days.
- Queens: Townhouse flip — $600,000, 65% ARV, 8-month flip for 27% ROI for the borrower.
Fix & Flip Loans
Short-term financing for rehab projects.
Service Areas: Brooklyn, Queens, Bronx, Manhattan, Staten Island, Nassau County, Suffolk County
DSCR Rental Loans in New York
Designed for rental property investors, DSCR loans evaluate property cash flow rather than personal income.
- Queens: 5-unit apartment refinance — $1.2M, 75% LTV, interest-only for 12 months in our no dscr program.
- Bronx: Multi-family rental — $950,000, 70% LTV, 30 year dscr closed in 15 days.
- Brooklyn: 3-unit rental — $650,000, DSCR cash out refinance after the rehab was completed in 3.5 months.
DSCR Rental Loans
Long-term or bridge financing for rental properties, focusing on cash flow and DSCR rather than personal income.
Service Areas: Brooklyn, Queens, Bronx, Manhattan, Staten Island, Nassau County, Suffolk County
Ground-Up Construction Loans in New York
Financing for 1–4 unit residential projects. Requires at least one prior build on title. Fast approvals and short closing times.
- Brooklyn: New 3-unit build — $1.1M loan, 85% of total cost including 100% of the construction, closed in 10 days.
- Bronx: 2-unit townhome — $600,000, 70% LTV, interest-only payments during construction on funds drawn only.
Ground-Up Construction Loans
Financing for 1–4 unit residential projects. Requires at least one prior build on title. Fast approvals and short closing times.
Service Areas: Brooklyn, Queens, Bronx, Manhattan, Staten Island, Nassau County, Suffolk County
Asset-Based Loans in New York
50% LTV financing for 1–4 unit residential or commercial properties. No credit requirement. Ideal for free-and-clear properties or investors seeking flexible lending outside rehab programs.
- Manhattan: Mixed-use property — $4M loan, 50% LTV, secured solely by property value.
- Brooklyn: Commercial building — $2.5M, 50% LTV, credit not required.
Asset-Based Loans
50% LTV financing for 1–4 unit residential or commercial properties. Credit score not required. Perfect for free-and-clear properties or investors seeking flexible lending outside rehab programs.
Service Areas: Brooklyn, Queens, Bronx, Manhattan, Staten Island, Nassau County, Suffolk County
New York Fix and Flip Loans
New York Ground up Spec Construction Loans
30 Year DSCR Rental Loans in New York
New York 5+ unit Apartment Building Lender
Asset Based Loans in New York
Commercial Hard Money Loans in New York
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.
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.