New York
Hard Money Lender in New York and New York City
Hard money, bridge and DSCR loans for investors across New York State, from a lender headquartered in Brooklyn and open 24 hours a day.
Lending in New York
Hard money, bridge and DSCR loans across New York
United Funding is a private hard money lender headquartered in Brooklyn. We fund investment property across New York State: fix and flip loans, bridge loans, DSCR rental loans, multifamily and mixed-use loans, and ground-up construction loans.
New York deals move fast and rarely fit a bank's checklist. A brownstone that needs a gut renovation, a mixed-use building with an empty storefront, a two-family home bought from an estate: these are the files a private lender is built for. We underwrite the property and your plan rather than your tax returns, review files in as little as 24 to 48 hours, and can close bridge loans in as little as seven business days.
Because we're a short trip from most of the city, we know its housing stock well, from row houses and walk-up apartment buildings to the commercial corridors where shops sit under apartments. That knowledge helps when a property doesn't look like the deals a bank's model was built around.
Coverage
Where we lend in New York
New York City
All five boroughs: Brooklyn, Queens, the Bronx, Manhattan and Staten Island. Row houses, 2 to 4 family homes, condos, walk-up apartment buildings and mixed-use properties.
Long Island and Westchester
Single-family and 2 to 4 unit investment properties in Nassau, Suffolk and Westchester counties, for flips, rentals and new builds.
Upstate New York
Buffalo, Rochester, Syracuse, Albany and the smaller cities in between, where lower purchase prices often let rentals and renovation projects work on tighter budgets.
What New York investors use us for
- Buying and renovating row houses and brownstones to sell, with a fix and flip loan.
- Holding 1 to 4 family rentals on a DSCR loan that qualifies on the rent, not your income.
- Bridging a purchase when a seller wants a fast close, or when a buyer's financing falls through days before closing.
- Repositioning walk-up apartment buildings and mixed-use properties before long-term financing.
- Building new homes on infill lots with a ground-up construction loan.
Our private money loan options
Financing for every stage of the deal
Programs for buying, bridging, renovating, building and holding, each underwritten on the property rather than your tax returns.
FAQ
Lending in New York: questions
We review files in as little as 24 to 48 hours, and bridge loans can close in as little as seven business days, depending on the appraisal and the title work.
Yes. We lend across New York State, including Long Island, Westchester and upstate cities, and we lend nationwide.
Investment property of every type: single-family homes, condos, 2 to 4 family homes, apartment buildings, mixed-use buildings and new construction. We don't lend on a home you live in.
Yes. We lend to LLCs as well as to individual investors.
Yes. We answer 24 hours a day, seven days a week, including weekends and holidays.
Ready to fund your next deal?
Tell us about the property and we will come back to you with options — usually within 24 to 48 hours.