New York Hard Money Loans 

Hard Money Lending Solutions for Real Estate Investors Of All Experience Levels


  • Loan Programs Designed For The New York Market
     
  • Fix & Flip, New Construction, DSCR, 1 Time Close, Bridge Loans, & More
     
  • Up To 93% LTC, 75% ARV
     
  • Appraisals Not Required On Most Loans


Financing For New York Real Estate Investors. Get Started Today.

Flexible Private Loan Programs in New York for Real Estate Investors

New York is a goldmine for real estate investors, offering a dynamic mix of opportunities across major metro areas like New York City, Buffalo, Rochester, and Albany, as well as high-demand suburban and vacation markets such as Long Island, the Hudson Valley, the Catskills, and the Hamptons. With strong rental demand, appreciating property values, and diverse economic drivers—from finance and healthcare to tourism and tech—the Empire State provides an ideal landscape for both short-term profits and long-term wealth creation.

Whether you're investing in fix and flip projects, rental properties, multifamily units, or new construction, FundNow Capital delivers flexible private lending solutions tailored to New York’s fast-moving real estate market. Our loan programs are designed for speed, reliability, and simplicity—helping you close deals fast, fund renovations, and scale your portfolio without the red tape of traditional banks.

Our New York Real Estate Investor Loan Options Include:

  • Fix & Flip Loans – Fast approvals and funding to renovate and resell for profit
  • DSCR Loans – Long-term rental financing based on property cash flow, not your personal income
  • Bridge Loans – Short-term capital to seize opportunities quickly
  • New Construction Loans – Finance ground-up builds or major rehabs with ease
  • Vacation Rental Loans – Funding for high-demand short-term rentals in top tourist destinations

At FundNow Capital, we specialize in alternative financing that works for you—not against you. With direct access to private capital and a nationwide lender network, we ensure higher approval rates, fewer underwriting headaches, and loan terms aligned with your investment strategy.

✅ Fast Closings
 ✅ No Tax Returns or W-2s Required
 ✅ Up to 90% Purchase / 100% Rehab
 ✅ Loans from $100K to $5M+


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FundNow Capital Loan Program Highlights

Loan Amount Up to $3 Million
Rehab Financing Up To 100%
Loan To ARV Up to 75%
Loan To Cost Up to 93%
Draw Management 24 Hour Turnaround With Digital Draw Inspections
Property Types SFR 1–4 Units, PUD, Condo, Non-Warrantable Condo
Term 12–18 Months Interest Only (Ask About 1 Close Build To Rent)
0 Point Option? Available
Deferred Point Option? Available
Pre-Payment Penalty? None
First Time Investors Welcome
Closing Timeline 10 Days Or Less



Same Day Prequalification


"States We Serve, Funding You Deserve – We're Here to Make It Happen!"

The FundNow Capital Guide to Fix and Flip Loans


Smart Funding for Smart Investors


Fix and flip investing remains one of the most popular real estate strategies in the market today—allowing investors to turn distressed or undervalued properties into profitable assets through renovation and resale. But the key to making these projects successful lies in choosing the right financing solution.


FundNow Capital’s Fix and Flip Loan Program is built specifically for investors looking to move fast, control project costs, and maximize returns without the delays or constraints of traditional bank loans. Whether you're flipping your first home or scaling your real estate business, this guide walks you through everything you need to know about fix and flip loans—from how they work to what to look for in a lender.


What is a Fix and Flip Loan?

A fix and flip loan is a short-term, asset-based loan designed to fund both the purchase and renovation of investment properties. These loans are ideal for real estate investors who want to buy, rehab, and sell (or refinance) a property in under 18 months. Unlike traditional mortgage loans, fix and flip loans are focused on the property’s potential rather than the borrower’s credit score.


Why FundNow Capital Fix and Flip Loans Stand Out

✅ Up to 100% Rehab Financing
 ✅ Up to 90% Loan-to-Cost / 75% Loan-to-ARV
 ✅ Loan amounts from $100K to $3M+
 ✅ 10-Day Closings or Faster
 ✅ No Income Verification Required
 ✅ Interest-Only Payments
 ✅ No Prepayment Penalty
 ✅ First-Time Investors Welcome


Fix and Flip Market Snapshot

  • 8.4% of all U.S. home sales in 2021 were flips
  • $65,000 average gross profit per flip (2021)
  • 6.3% of Q1 2023 home sales were flips
  • $56,000 average profit per flip in early 2023 (ATTOM/Redfin)


The numbers speak for themselves: fix and flip investing continues to deliver strong returns—especially for those who can close quickly and manage renovations efficiently.

How Fix and Flip Loans Differ from Traditional Loans


Feature Fix and Flip Loans Conventional Loans
Term 6–18 months 15–30 years
Focus Property value & ARV Credit score & income
Speed of Funding Fast (7–14 days) Slow (30–60+ days)
Financing Scope Purchase + Rehab Purchase only
Down Payment 10–25% 5–20%
Interest Rate 8–14% (short-term) 6–8% (long-term)

Why Investors Choose Fix and Flip Loans from FundNow Capital


1. Speed and Simplicity

Our streamlined underwriting and digital draw inspections mean you can get funded in as little as 10 days—giving you the edge in competitive markets.


2. Flexible Qualification

We underwrite based on property value and ARV, not your income or FICO score. That means no tax returns, no W-2s, and no headaches.


3. Tailored Loan Terms

From interest-only payments to 0-point and deferred-point options, our loan structure puts your cash flow first.


4. High Leverage, Low Barrier


Access up to 75% of ARV and 100% of renovation costs with minimal documentation and investor-friendly terms—even if it’s your first flip.


Key Terms to Understand


Loan-to-Value (LTV)

Percentage of the purchase price covered by the loan. Most FundNow Capital loans go up to 90% LTV.


Loan-to-Cost (LTC)

The ratio of loan amount to total project cost (purchase + rehab). We fund up to 93% LTC.


After-Repair Value (ARV)

Projected value after renovations. We offer up to 75% of ARV, allowing you to borrow based on the property’s future potential.


Interest Rates & Costs

Rates range from 8–14%, depending on project type, experience, and property value. Origination points may apply, but no prepayment penalties.


What to Look for in a Fix and Flip Lender


✔ Industry Expertise

Choose a lender who understands the investor mindset. FundNow Capital has funded thousands of flips and understands the timing, budgeting, and risk management needed to make your deal work.


✔ Speed of Funding

We close in 10 days or less—giving you the power to act fast in a fast-moving market.


✔ Transparent Fees

No hidden junk fees. We clearly outline your rate, points, and closing costs from day one.


✔ Scalable Capital

Need to fund multiple projects? Our capital is sticky and scalable—so you can grow without switching lenders.

✔

 Investor-Focused Service


From deal analysis to draw management, our team is here to support your success—not slow you down.


FundNow Capital Fix and Flip Loans Are Ideal For:

  • Single-Family Homes (SFR 1–4 units)
  • Condos and Non-Warrantable Condos
  • Townhomes and PUDs
  • Multi-family Properties
  • New Construction and Tear-downs
  • High-end Renovations and Vacation Rentals


Closing Thoughts

Fix and flip loans can be a powerful tool to build wealth through real estate, especially when paired with a lender who understands your goals. At FundNow Capital, we’ve simplified the process so you can focus on what matters—finding deals, managing renovations, and making money.

Whether you’re an experienced investor or flipping your first property, we’re here to help you fund smarter and move faster.


📞 Call Today: 866-201-5370
 📩 Apply Now at www.FundNowCap.com
 ⚡ Fast Closings | Flexible Terms | Real Results