Direct Private Lender for Real Estate Investors

Sachem Capital Corp. is a Connecticut-based real estate finance company established in 2010. Our success has been built by understanding the unique character of each borrower’s request, providing them with personal and responsive service, and finding creative solutions that meet their financing requirements. Our loans our based on equity and our we target a maximum LTV at 70%.

Property Geographic Area Details

Connecticut, Massachusetts, Rhode Island, New York (NYC, Long Island, Westchester County), New Jersey, Flroida

Loan Amounts

$100,000 to $7,500,000

Interest Rates

12% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2.5% to 5%

Loan Terms

6 months to 36 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Commercial Land
  • Condominium
  • Gas Station
  • Mixed-Use
  • Mobile Home Park
  • Multifamily
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Residential Land
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Preferred Equity

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out

Land Loan


We offer refinance or equity cash out loans for land. We will not consider a land purchase.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Office Land
  • Retail Land
  • Special Purpose Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition


Purchase Loan

Borrower must have a 30% down payment in cash or equity in another investment property. We do not allow seller carrybacks or gap funding in 2nd position.

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Equity in Subject Property
  • Equity in Another Investment Property

Rehab Value Add Loan

Borrower must contribute 30% of the total renovation budget.

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Construction Loan

Borrower must contribute 30% of the total construction budget.

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Credit Report
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Credit Check Description

No Minimum Credit Score

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Processing Fee

$595 one time

Inspection Fee

$350 per property

Credit Report Fee


Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Deposit
  • Underwriting Fee
  • Appraisal Fee
  • Inspection Fee
  • Credit Report Fee
  • Background Check Fee

Additional Details

We will fund the purchase costs and legal for clients. The estimated borrowers closing attorney costs should be discussed prior to closing.

Sachem Capital Corp. Sachem is a Connecticut-based real estate finance company that specializes in originating, servicing and managing a portfolio of first mortgage loans.  Specializing in non-conventional loans for commercial and investment property. We have carved out a unique niche through our value-based lending concept, which utilizes equity in the borrower’s real estate to provide capital for financing real estate projects. While most hard money lenders typically offer loans for up to one year, we can structure loans for up to three years. As direct lenders we have the flexibility to structure a loan to meet the needs of our borrowers. We work with each borrower to explore all reasonable alternatives to fund a transaction.

In virtually all cases, loan review and due diligence are performed with our money — not yours. No upfront fees are required while we work on your loan transaction. Once your application is submitted, our team works quickly to provide fast turnaround times, allowing you to get started on your project as quickly as possible. Preliminary commitments are usually given in a day or two, and in most cases, closings are scheduled within 10 business days.

Sachem Capital Corp. is listed on the New York Stock Exchange, ticker symbol SACH.

Company Size (Number of Employees)


Year Established


Office Locations

698 Main Street, Branford, Connecticut 06405

Primary Capital Source

  • Hedge Funds
  • Asset Management Companies

Loan Structure for Majority of Loans

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Commercial Real Estate Investing

Lauren Grady

Sales & Marketing Manager

John Villano


Before You Contact Us

Our Minimum Loan Amount Is


What We Do

  • Properties in Connecticut & Florida
  • Bridge, Rehab, Construction Loans
  • Up to 70% LTV
  • 30%+ Cash Required for Purchase

Not Available

  • NO 100% Financing or higher than 70% LTP
  • NO Owner-Occupied Homes
  • NO Cannabis-Use Properties

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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