Loan products
Hard money loan programs for real estate investors
Four programs covering acquisition, renovation, construction and long-term hold. Every one is underwritten on the property and the business plan — not your tax returns.
Our private money loan options
Financing for every stage of the deal
Four programs covering acquisition, renovation, construction and long-term hold — each underwritten on the property rather than your tax returns.
Rates & terms at a glance
Compare every program side by side
Indicative terms for each of our four programs. Final pricing depends on the property, the business plan, and your experience.
| Program | Rates from | Max LTV | Term | Closes in |
|---|---|---|---|---|
| Rental Property Loans | 6.375% | Up to 80% | 30-year fixed & ARM | 14 business days |
| Fix & Flip / Bridge Loans | 8.99% | Up to 90% | 12–18 months | 7 business days |
| Commercial – Multifamily / Mixed Use | 6.875% | Up to 75% | 5/1, 7/1, 10/1 ARM | 14 business days |
| Ground-Up New Construction | 9.75% | Up to 80% | 12–18 months | 3–4 weeks |
Rates, LTVs and terms shown are illustrative and subject to underwriting approval. They are not a commitment to lend.
Our easy loan process
Four steps from first call to funded
No committees, no month-long underwriting queue. A single loan officer owns your file from start to close.
- 01
Contact Us
We are available 24 hours a day, seven days a week, even on weekends and holidays.
- 02
Collection of Documents
Within minutes, your personal loan officer will provide you with a list of documentation required to process your application. They will even help you obtain these documents when needed.
- 03
Submission
We review your files and documents in as little as 24 to 48 hours and provide you with various financing options.
- 04
Closing
Once everything has been processed and reviewed, we will close the loan quickly and efficiently.
FAQ
Frequently asked questions
A private money lender funds real estate loans with private capital rather than deposits, which means underwriting is based on the property and the business plan instead of your personal income documentation. That is what lets us close in days rather than months.
We review files and documents in as little as 24 to 48 hours. Bridge and fix-and-flip loans close in as little as seven business days; rental and multifamily loans close in roughly 14 business days.
No. We qualify the deal on the property's profit potential, so no tax returns or W-2s are required on our rental, multifamily and bridge programs.
A minimum 620 FICO score for bridge and fix-and-flip financing. Your loan officer will confirm the requirements for the specific program you are applying to.
Up to 90% loan-to-value on acquisition and up to 100% of construction costs, depending on the program and the strength of the file.
There are no prepayment penalties on our bridge loans, so exiting early never costs you more than it should.
We are a nationwide private money lender headquartered in Brooklyn, New York, with deep experience across the New York metro area and the surrounding states.
Yes. Many clients follow the BRRRR method — buy and renovate with a bridge loan, rent the property, then refinance into a long-term rental loan and repeat.
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.