Hard Money Lenders in New York
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
New York is one of the most diverse investor markets in the country, spanning the high-value world of New York City, Long Island, and Westchester and the affordable, cash-flow markets of Buffalo, Rochester, Syracuse, and Albany. Deals here move fast, and conventional banks rarely keep up. As hard money lenders in New York, Tidal Loans gives real estate investors the speed and leverage to close on investment property quickly, without the income verification, slow underwriting, or credit hurdles a bank imposes. We’ve financed investors as a direct lender since 2016, and because we lend our own capital, we move at the pace New York deals demand.
A hard money loan is short-term, asset-based financing secured by the property rather than by your personal income. We underwrite the deal — the property’s value and its after-repair value — not your tax returns. For New York investors flipping in the boroughs, building rentals upstate, or repositioning property statewide, that’s the difference between locking up a deal and losing it to a faster buyer.
New York Hard Money Loans, Funded Fast
New to investing or seasoned, the appeal of a New York hard money loan is the same: you don’t need to bring a large amount of cash up front, and your approval doesn’t ride on your tax returns. There is no minimum credit score — a lower score adjusts your terms, not your eligibility.
Because we’re a direct private lender, we routinely fund borrowers a bank won’t — investors carrying multiple existing loans, or buying distressed and rehab-heavy properties conventional institutions avoid. For experienced borrowers we can fund up to 90% of the purchase price and 100% of the rehab cost, with the exact leverage tied to the deal and your track record. Our full direct-lender model is detailed on our hard money loan hub.
Hard Money Lending Across New York's Major Markets
New York’s investor markets each have their own character, and we lend across all of them. Here’s how we see the biggest.
New York City, Long Island & Westchester
The downstate markets — the five boroughs, Long Island, and Westchester — are among the highest-value investment markets in the country. Flips and value-add deals here demand fast, certain funding, and our New York City hard money loans close quickly enough to compete where a single day can lose a property. We fund 1–4 unit, mixed-use, and small multifamily deals across the metro.
Buffalo & Rochester
Upstate’s Buffalo and Rochester are among the strongest cash-flow markets in the Northeast, with affordable entry prices and steady rents that make them magnets for fix-and-flip and BRRRR investors. Our Buffalo and Rochester hard money loans fund the purchase and the rehab so you can take a tired property, bring it back to life, and either flip it or refinance into a long-term hold.
Albany, Syracuse & Beyond
Albany and Syracuse round out the state’s reliable cash-flow markets, and we lend across the Hudson Valley, the Capital Region, and the surrounding submarkets throughout the state.
Investment Property Loan Programs We Offer in New York
Most New York investors use us for more than one product as their strategy grows. Here’s the full lineup.
Fix and flip loans fund the purchase and rehab of a property you’ll renovate and sell — up to 90% of the purchase and 100% of the rehab for qualifying deals. See our fix and flip financing hub or our New York fix and flip loans page.
New construction loans give builders ground-up financing with milestone-based draws — up to 90% of total cost, capped at 75% of after-completion value. See our New York construction loans page.
Rental and DSCR loans are for buy-and-hold investors and qualify on the property’s rental income rather than your personal income, with long-term fixed terms. See our DSCR loan program hub or our New York DSCR loans page.
Bridge loans span the gap between buying and arranging permanent financing — see our New York bridge loans page.
Multifamily loans finance five-plus-unit apartment and mixed-use deals, including value-add projects — a core asset class across New York — see our New York multifamily loans page.
Airbnb and short-term rental loans finance vacation rentals on the property’s projected or actual revenue — see our New York Airbnb loans page, a strong fit for the Catskills, Adirondacks, and Finger Lakes (note that New York City restricts most short-term rentals).
The BRRRR Strategy in New York
A large share of our New York borrowers run the BRRRR method — buy, rehab, rent, refinance, repeat — and the state’s upstate cash-flow markets are tailor-made for it. We fund the purchase and rehab with short-term money, you place a tenant, and once there’s a signed lease we refinance into a long-term loan and pull your capital back out through a cash-out refinance of up to 80% of the appraised value. You recycle that capital into the next deal and repeat. In affordable markets like Buffalo and Rochester, this is how investors build a portfolio without running out of cash.
New York Hard Money Loan Parameters
New York Hard Money Loan Parameters
Why New York Investors Choose Tidal Loans
We’re a direct lender — we underwrite in-house and lend our own capital, which means faster answers and no middleman between you and your funding. We’ve financed New York investors since 2016, structuring deals across New York City, Long Island, Buffalo, Rochester, and the markets in between. Whether you’re flipping your first property or scaling a portfolio, we’ve built a program for that stage of your business.
- No minimum credit score — we pull credit, but a low score adjusts your terms, not your eligibility
- Up to 90% of purchase + 100% of rehab for experienced borrowers
- Close in days, not months — no tax returns, no income verification, no committee
- Every strategy covered — fix and flip, DSCR, construction, bridge, multifamily, and Airbnb
Frequently Asked Questions
The best New York lender is the one that funds your specific deal fast and lends its own capital, with no middleman slowing the close. As a direct lender, Tidal Loans underwrites the property rather than your income and moves quickly in a competitive market like NYC. We finance fix-and-flips, rehab loans, rentals, and mixed-use and multifamily deals across the boroughs and the surrounding metro.
We have no minimum credit score. We do pull a hard credit report — any legitimate lender will — but a low score doesn’t disqualify your deal the way it would with a New York bank. Instead, your score affects your terms: stronger credit earns better rates and higher leverage, while a lower score means a higher rate, lower LTV, or more reserves.
Leverage depends on the deal and your experience. For experienced borrowers we can fund up to 90% of the purchase price and 100% of the repair costs, with the exact figure tied to the property, your credit, and your track record.
Much faster than a bank — often within a week or two when the file is clean. Because we underwrite the property instead of your income, there’s far less paperwork, no tax returns to dig up, and no lengthy committee process. In a competitive market like NYC, that speed is frequently what wins the deal.
Yes, we lend statewide. The downstate markets — NYC, Long Island, Westchester — see high-value flip and multifamily activity, while Buffalo, Rochester, Syracuse, and Albany are strong cash-flow markets. We structure each loan to fit the property and strategy in that specific market.
You can use one to acquire and renovate the property quickly, then refinance into a long-term DSCR or rental loan that pays off the hard money and keeps your monthly cost low. This is the core of the BRRRR strategy, especially powerful in New York’s affordable upstate markets.
Ready to fund your New York deal?
Get a fast quote from a direct lender — or call and walk your NYC or Upstate deal through with us.