Fast Hard Money Loans – New York

Our New York hard money loans are designed for real estate investors looking to maximize their opportunities. Whether you’re undertaking a fix-and-flip project or building from the ground up, we provide fast, reliable financing tailored to your specific needs.

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Reasons to Choose Investors Mortgage Group for Your New York Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including New York

The Top Choice for Hard Money Loans in New York

We are New York top choice for hard money loans, providing fast, reliable, and flexible funding solutions for your investment projects. Our expert team is dedicated to helping investors.

Competitive Terms

We offer competitive terms on investment property loans in New York. Fix and Flip loan rates range from 10.5%–11.25% with a 1.5%–2.99% origination fee. DSCR loan rates range from 6.5%–7.99% with 0% origination fee.

Simple Online Application

Real estate investors can apply online, get pre-approved, or schedule a call in just 2 minutes. The process is quick, easy, and hassle-free.

Quick Turnaround

Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.

Reliable Financing

Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.

New York Hard Money Loan Products

New York Fix and Flip Loans

Funding for Purchase + Rehab

Loan Amount: $50,000 – $3,000,000
Interest Rate: 10.5% – 11.75%
Origination Fee: From 1.5%
Financing: Up to 90% of Purchase & 100% of Rehab
Beginner-Friendly Fix and Flip Loans Available

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New York DSCR Loans

30-Year Financing for Rental Properties

Loan Amount: Up to $2,000,000
Interest Rate: 6.25% – 7.99%
Origination Fee: Starting at 0%
LTV: Up to 80%
Eligible Properties: Short-Term & Long-Term Rentals

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Ground Up Construction

For New Builds and Construction Completion

Loan Amount: Up to $3,000,000
Interest Rate: 10.99% – 12.25%
Origination Fee: From 2.0%
Financing: Up to 75% of Purchase & 100% of Construction
Loan-to-Cost: Up to 90% LTC

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State
New York

Loan Type
Fix and Flip

Loan Amount
$300,000

Loan Amount (if applicable)
90% of Purchase + 100% Of Rehab

Rate
10.05%

Points
2.25%

New York Deal Summary

This 4-bedroom, 3-bathroom property in Atlanta offered a compelling investment opportunity in a sought-after neighborhood. The property was purchased for $400,000, with the investor planning a $100,000 renovation, including layout improvements, modern finishes, and exterior upgrades. With an after-repair value (ARV) of $625,000, the project was positioned for a strong return. The investor secured a $460,000 loan specifically designed to cover the purchase and renovation costs.

Key Highlights

High Leverage: Financed 90% of the $400,000 purchase price and 100% of the $100,000 renovation budget.
Low Rate: More favorable than other lenders offering rates at 12.5%.
Quick Closing: Loan finalized in about 2 weeks, allowing the investor to secure the property on schedule.

Frequently Asked Questions

What are the requirements to get a hard money loan in New York?

To secure a hard money loan in New York, you typically need:

A credit score of at least 640

A project that is expected to yield a minimum 10% ROI

An LLC or corporation registered in Georgia

What types of properties can be financed with a hard money loan in New York?

Hard money loans in New York can be used to finance:

Residential properties with 1–4 units

Multifamily properties with 5–50 units

Select commercial properties

What are the interest rates and terms for hard money loans in New York?

Interest rates typically range from 10.5% to 11.5%, depending on the borrower’s experience and credit profile. The median rate for a fix-and-flip loan in Georgia is around 10.75%, interest-only, with no prepayment penalty.

How quickly can I obtain a hard money loan in New York?

Hard money loans in New York can be closed in as little as 10 business days.

Are there any state-specific rules for obtaining a hard money loan in New York?

Hard money loans in New York are considered business-purpose loans, meaning they are only available to borrowers with an LLC or corporation registered in Georgia.

Best Cities To Invest In Real Estate
In New York

New York City (Manhattan)

Manhattan, New York continues to stand out as one of the most influential and fast-paced real estate markets globally, presenting strong opportunities for investors. As the financial and cultural core of the city, it consistently attracts professionals, entrepreneurs, and visitors from around the world, creating steady demand for residential, commercial, and short-term rental properties. Its well-balanced economy—supported by sectors such as finance, technology, media, and healthcare—adds stability even during market fluctuations. With premium property values and long-term appreciation potential, Manhattan offers attractive investment options in high-end rentals, condominium projects, and mixed-use developments aimed at strong and lasting returns.

Get a Loan in New York City (Manhattan)

Brooklyn

Brooklyn, New York has evolved into a highly desirable real estate market, offering a unique mix of historic character and contemporary living. Its lively neighborhoods, strong creative culture, and diverse communities continue to attract renters and homebuyers ranging from young professionals to growing families. With easy access to Manhattan and a well-defined local identity, housing demand remains strong, supporting steady property value growth. Investors can find promising opportunities in multifamily housing, classic brownstone upgrades, and rental properties, making Brooklyn an appealing market for those focused on long-term growth and reliable returns.