Fix & Flip Loans in New York
Fast, asset-based funding for New York real estate investors. I fund fix & flip deals across New York — Acquisition + renovation in one loan, with draws that keep your project moving.
- 24 Hrs
- Close In As Little As
- 90%
- Max Loan-To-Value
- 12+
- Markets Served
Got a distressed property that a bank won't touch? That's exactly what I'm here for. I fund the acquisition and the renovation in one loan. Draws get released as work is completed so your project never stalls waiting on reimbursements. First flip or fiftieth — if the deal makes sense, I fund it.
A fix and flip loan is short-term, asset-based financing built for investors who buy undervalued property, renovate it, and sell for a profit. Traditional banks move too slowly and shy away from distressed condition — by the time an underwriter says yes, the deal is gone. Hard money is built for the opposite: speed, flexibility, and a lender who understands the after-repair value (ARV) is what matters.
As a direct lender working across New York, I know the local markets — from Albany, Buffalo, New York City and beyond — and I underwrite on the deal, not red tape. If your fix & flip numbers work, you get a same-day answer and funding fast enough to compete.
Fix & Flip Rates & Terms in New York
The headline numbers for a fix & flip loan in New York. Every deal is priced on its own merits — these are the guardrails.
| Metric | Terms |
|---|---|
| Interest Rate | From 10% |
| Loan-to-Purchase | Up to 90% |
| Rehab Funded | 100% |
| Max Loan-to-ARV | 70% |
| Points | From 2 |
| Term | 6–18 months |
Why New York Investors Choose This Loan
- Financing for both acquisition and construction
- When the deal is real, we move
- Keep your project moving without cash-flow delays
Fix & Flip Loans Across New York
- Albany
- Buffalo
- New York City
- Rochester
- Syracuse
- Yonkers
Fix & Flip Loan FAQs
- Do you fund first-time flippers?
- Yes. First project or fiftieth — if the deal makes sense, I fund it. I focus on the viability of the deal, not just your track record.
- How does the rehab draw process work?
- Rehab funds are held and released in draws as work is completed and inspected, so you are never fronting the full renovation out of pocket. Draw inspections are fast so your crew keeps moving.
- How much money do I need to bring to closing?
- Typically you fund a portion of the purchase price (up to 90% financed) plus closing costs. 100% of the approved rehab budget is financed through draws. Exact figures depend on the deal and the ARV.
- What is ARV and why does it matter?
- ARV is the After-Repair Value — what the property is worth once renovations are complete. Fix and flip loans are sized against the ARV because that is the number that determines your profit and my collateral.
- How fast can I actually close?
- In as little as 24 hours once we have terms agreed and title is clear. Because there is no loan committee, speed comes down to how quickly documents and title come together.
- Is there a prepayment penalty if I sell quickly?
- No prepayment penalty on fix and flip loans. When your project sells, you pay off the loan and keep your profit — the faster you exit, the less interest you pay.
Fix & Flip Loans in Other States
- Delaware
- Florida
- Georgia
- Maryland
- New Jersey
- North Carolina
- Pennsylvania
- South Carolina
- Virginia
- Washington DC
Have A New York Deal?
Tell me about your fix & flip project in New York and get a same-day answer. No application fee, no obligation, no nonsense.