HARD MONEY LENDER NEW YORK

Loan Goat funds business-purpose real estate loans across New York, from New York City and Yonkers to Buffalo, Rochester and Syracuse. We are a direct private lender using our own capital, so pricing and approval come from a single decision maker. Bridge, fix and flip, construction, DSCR rental, commercial and blanket loans are all on the table here. Call (619) 617-2797 to talk numbers.

Mixed-use with retail on the ground floor and apartments above is a normal file for us, on bridge or commercial. We underwrite the building and the exit rather than your personal income, which matters when a property is mid-lease-up or partly vacant. Send the rent roll, the address and your plan for the asset, and you will have terms in hand.

Upstate qualifies completely. Buffalo, Rochester and Syracuse are serious investor markets and we lend in all of them, Erie, Monroe and Onondaga counties included. Frame doubles, Victorian singles and student rentals near the universities all work on DSCR rental or fix and flip. Being a direct lender with in-house capital means no regional restriction list is deciding your deal for you.

Usually, yes. Standard closings run 5 to 7 days, and a clean bridge file can fund in as fast as 3 days once title is clean and the file is complete. Westchester County deals often come down to who can actually perform, so minimal documentation and one decision maker are the whole advantage. Call (619) 617-2797 with the address and we will start.

Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.

The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.