Hard Money Lending New York
Your Fix and Flip, New Construction, Cash Out/Refinance Hard Money Lending Partner in New Jersey
As the premier private hard money lenders in NJ, Alpha Funding controls its own funds, enabling fast financing with prequalification within 24 hours and loan closings in as little as 7-10 days. We offer 12-month, interest-only bridge financing for the following programs: Fix and Flip, New Construction, Rental Property Financing, and short-term Cash Out/Refinance. Additionally, we provide term rental loans for buy-and-hold investors.
Your Lender for Private Hard Money Loans in New York
Since starting our business in the New York metropolitan area in 2007, we’ve been trusted hard money lenders across NY. Each of NYC’s boroughs, as well as the suburban communities of Long Island, Westchester, and Rockland Counties, offers its own unique opportunities and challenges. New York investors are resilient and resourceful, facing daily logistical challenges in real estate. Alpha Funding’s residential hard money loans are designed to support them.
As experienced private lenders in NY, we take pride in the strong local relationships we’ve built with top appraisers, attorneys, and title agents in New York’s real estate industry.
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If you have any questions or want to discuss an upcoming opportunity please call us and one of our team members will be glad to you assist you.
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Fast Fix and Flip Financing
Alpha Funding provides investors with the ability to spot a distressed property and transform it into a market-ready home, by offering the capital needed to acquire the property and complete the rehab work. Fix and flip loans are the key to profitability and leverage in these situations, and these real estate investor loans in New York have always been a primary focus for Alpha Funding. We specialize in 12-month loans for experienced investors and professionals, but we also lend to qualified first-time borrowers.
To fully capitalize on New York investment opportunities, speed is essential. Alpha Funding offers financing solutions that traditional lending institutions can’t match. We can close in as little as three to four days if all paperwork is ready, with an average closing time of just 10 days. Our loans cover up to 85% of the purchase price and 100% of the rehab costs. Click here for more information on rates and requirements for fix and flip loans.
New Construction
Market conditions and seasonality can often call for quick, flexible loan programs for new construction. Alpha Funding offers new construction loans when conventional financing isn’t the right solution. Our New York construction loans are available to experienced investors, contractors, and builders, allowing them to borrow up to 70% of land value and 100% of construction costs.
While our underwriting criteria are flexible—with no minimum credit score requirements—borrowers can trust our commitment because we won’t approve a loan unless our experience assures us that everyone involved will benefit from the deal.
NY Rental Loans
Alpha Funding now offers some of the most competitive rental loans in New York. These doc-light loans are designed for buy-and-hold investors looking to secure 1-4 family properties. Our rates start as low as 5%, with leverage up to 80% LTV. Thanks to our unique capital structure and flexible underwriting, we can offer single rental loans up to $3M and portfolio loans up to $3M.
We provide various loan options in New York, including 30-year amortization, ARM, and interest-only options. Whether you’re an experienced investor expanding your rental portfolio or just getting started with your first rental property, we’ll work with the best local appraisers, title agents, and attorneys to ensure a five-star experience. If you’re ready to grow your real estate business with our NY rental loans, contact us today.
Alpha Funding Knows the NYC Boroughs
With over a decade of success in the tristate area, Alpha Funding has become an expert in local real estate markets, including an in-depth understanding of New York City and its unique boroughs. We tailor our loans to fit your specific project, whether it’s a multi-family rental property in Queens or a fix and flip in Brooklyn. The NYC market has been shaken up recently, and working with a lender with deep ties to the city can help you take advantage of new opportunities. If you’re looking to use our NYC hard money loans for investing in the boroughs, contact us today.
S.T.R.I.V.E.
Service
Providing our unmatched customer service to our borrowers and referral partners provides comfort when dealing with time-sensitive and difficult situations
Trust
With our experience and track record of reliability.
Respect
We respect all of our investors, borrowers, and referral partners, treating them as equals and value them as a vital part of our success.
Integrity
Holding our team and selves to the highest standard of ethics and conduct to provide the highest level of professionalism in the industry.
Value
Our resources and guidance along with key experience in real estate development and investing to help add value to you and growing your business.
Excellence
We strive to provide the best nationwide private lending platform for real estate investors in the private lending space.