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Hard Money Loans for New York Real Estate Investors


Hard Money Lenders for New York Real Estate Investors

Our Hard Money Loan Programs for New York borrowers are structured to meet your Real Estate Investor needs, regardless of what type of investor loan you’re looking for. As one of the premier hard money lenders for real estate investors in New York, our borrowers can rely on us to quickly finance their real estate deals and help them grow their business.

Stratton Equities is the Leading Nationwide Hard Money Lender and NON-QM lender for New York Real Estate Investors.

We offer the largest library of Hard Money Loan Programs to New York Real Estate Investors for their investment properties.

Depending on your real estate investment loan scenario, our borrowers can rely on us to finance their real estate goals and grow their business as real estate entrepreneurs with our team of loan officers.

Ready to discuss your loan scenario with a member of our team? Apply now and contact us today! Want to find out more, enter your loan scenario into our Mortgage Loan Calculator.

Hard Money Loans for New York's Dynamic Real Estate Landscape

In the bustling real estate arena of New York, every transaction counts. At Stratton Equities, we provide prompt, tailored hard money loans designed specifically for the Empire State's unique market. Whether you're diving into the Big Apple's skyscrapers or exploring opportunities in the picturesque Hudson Valley, our loans empower your ambitions.

New York's Leading Direct Hard Money Lender

When it comes to investment opportunities, Stratton Equities knows how important it is to expedite the financing needed for your project. At Stratton Equities, we offer hard money loans for most property types. Unlike the grueling process of bank mortgages which can take upwards of forty-five days, Stratton Equities can approve your hard money loan and provide you with funds in an average closing time of just 14-25 days, Stratton Equities is here to quickly assist you every step of the way.


As the leading Nationwide direct private money lender, we are here to provide you with the hard money loans for your investment property - to fund your real estate goals!

Why New York Real Estate Investors Choose Stratton Equities

The New York property market is unlike any other, requiring agility and swift decision-making. Stratton Equities' hard money loans offer quick approvals, transparent terms, and a dedicated team to navigate the city's intricate real estate ecosystem.

What is a New York Hard Money Loan?

Stratton Equities is a Leading New York Direct Private Money and NON-QM Lender for real estate investing, we have an array of private money and NON-QM loan programs including hard money loans that are designed to meet all your real estate investing needs. It doesn't matter what type of real estate entrepreneur you are or what your investment loan scenario entails.

A true Hard Money Loan, is an asset-based loan and is always a bridge loan, which means the financing is based on the Loan to Value (LTV) of the Asset.

A hard money loan is among the most popular loan programs that New York real estate investors utilize for their investments.  


Due to the lack of guidelines and underwriting, a true Hard Money Loan is generally capped at 75% LTV or less. For example, let’s say you have a home worth $1M, if you want $500K against it (50% LTV), you’re able to receive the money within 1-2 weeks (from the day of application), commonly as a first lean position - because it’s just money. It’s always in the form of a Bridge Loan, which is short-term financing in a period of 12-24 months.


Hard Money Loans are for investment properties ONLY and cannot be utilized on owner-occupied properties. This is due to the high-cost regulations and predatory lending associated with this type of mortgage loan program – you cannot put such high-interest rates and costs on an owner-occupied property.

For more information about Hard Money Loans for New York Real Estate Entrepreneurs or to find out more about Commercial Real Estate Loans, Private Money Loans, or NO-DOC loans, please visit our Loan Products page.

Features of Our New York Hard Money Loans

New York's real estate opportunities are vast, and so are the challenges. With Stratton Equities by your side, you gain a partner dedicated to ensuring your ventures are successful, providing the capital and support you need, when you need it.

Hard Money Loan Summary:


  • Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse

  • Rates Starting at 9.99%

  • $100K – $5M

  • Up to 75% LTV

  • Blanket Loan Options Available

  • Bridge Loan Only

  • 9-24 Month Terms

  • Interest Only Payments

  • Purchase, Refinance, or Cash Out

  • Foreign Nationals Eligible

  • No Prepayment Penalty Option Available


Everything you need to know about New York Hard Money Loans: Hard Money Made Easy 101.​

Stratton Equities - Asset Based Hard Money Lenders

Given that our hard money loans are based on the value of an investment property rather than the borrower’s credit, we can fund deals for borrowers who are unable to get conventional financing due to a recent foreclosure, bad credit, or short sale. Even with tarnished credit, a borrower can obtain a hard money loan using the value of the investment property as collateral. This makes a hard money loan a great option for anyone from beginner investors with a limited credit history to experienced investors looking to free up liquidity and scale their business.

Stratton Equities funds hard money loans on single family, multi-family, mixed-use, and commercial - investment properties. 

The hard money interest rates on an asset based loan are usually higher than those of conventional mortgages. Interest rates for hard money loans range anywhere from 9.99%-10.49%, and Stratton Equities’ competitive loan programs offer qualified investors some of the best rates in the industry. Hard money lenders typically charge higher interest rates due to the greater risk associated with these loans, and the incredible speed in which they are able to process and fund transactions. Hard money loans are a very strong tool for investors who need to move quickly. These short term (usually 12 months) loans are the perfect opportunity to aid any investor in developing their success.

Want more information on hard money loan programs? Check out the Top 3 Reasons to Use Hard Money.

What are the 3 Steps to Processing a Hard Money Loan?

What is a New York Hard Money Lender?

When working with a New York Private Money Lender, a borrower’s loan qualification is based on the value or potential value of the investment property in the loan scenario.

This allows prospective borrowers who may have trouble qualifying for a traditional mortgage an ideal candidate for a private money or Hard Money Loan.

A traditional New York Mortgage lender that works with conventional loans for residential and commercial properties relies on proof of employment, tax documentation, interest rates, and credit score. 

Stratton Equities is a direct private mortgage lender that works with asset-based loans, which are loan programs that are based on the value or potential value of a property in the loan scenario. 

Asset-based loans are ideal for nationwide real estate investors who might be self-employed, have poor credit, or other circumstances which make traditional mortgage approval difficult. Approval is based on the Loan-to-Value Ratio (LTV), which compares the loan amount to the value of the property. This makes the approval process quick and easy, making it a great solution for real estate investors in New York who want to close quickly on a property.

Customized Hard Money Loan Programs for New York Real Estate Entrepreneurs

Found an investment property and interested in applying for a loan?

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