Upstate New York Hard Money Lenders for Real Estate Investors

Need a hard money loan secured by real estate in Upstate New York? This page has a list of direct hard money lenders that offer quick funding for a Upstate New York property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan.

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American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Rehab Financial Group

100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT!

$50,000 - $2,000,000
4 to 12 months
11.88% - 13.00%
2.00% - 4.00%
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$75,000 - $2,000,000
12 to 360 months
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
Finance of America Commercial

Residential Real Estate Investment Loans Made Simple

$50,000 - $50,000,000
12 to 360 months
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$100,000 - $5,000,000
12 to 60 months
10.00% - 13.00%
2.00% - 5.00%
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 2.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Bayport Funding

Balance Sheet Lender for Residential & Multifamily Real Estate Investors

$200,000 - $6,000,000
12 to 24 months
11.00% - 12.00%
1.25% - 2.00%

New York Hard Money Stats

According to private lending data provider, Analytics Logics, the average interest rate for hard money loans in New York is 10.57%. Lenders are charging an average origination fee (points) of 2.00%. The average loan-to-value (LTV) for hard money loans in New York is 58%, and the average loan amount is $568,015. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

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