Pre-1940 housing stock
Most Albany rehabs involve knob-and-tube, plaster, and older mechanicals. We budget rehab the way a local contractor would, not the way a national model does.
Albany County · Direct Private Lender
Hard Money & Private Money Lender in Albany, NY
Direct private money for experienced investors buying, renovating, and holding property in Albany. We lend our own funds, underwrite locally, and you speak with the decision maker on the first call.
Local Underwriting
What We Know About Lending in Albany
Rental demand
State government, hospital, and university employment keep occupancy strong, which matters when your exit is a refinance rather than a sale.
Street-level values
Two blocks can price very differently in Albany. We underwrite comps we can actually drive to.
Neighborhoods and areas we fund in Albany
Pine HillsDelaware AvenueCenter SquareHelderbergNew ScotlandWest HillColonieDelmarMenandsWatervlietGuilderland
Loan terms for Albany investors
- Loans from $100,000 to $400,000
- 12-month interest-only loans, with a 3-month minimum interest amount
- 12%–14% interest, interest only; 1–3 points, depending on the transaction
- Purchase financing may be available up to 90% of the purchase price for qualifying transactions
- Renovation financing may be available in arrears, subject to approval and project conditions (budgets generally up to $75,000)
- Renovation draws are advanced as work is completed and documented; interest generally applies only to funds advanced
- $48 credit and background check, paid directly to TransUnion
One call, one decision maker
We are a direct lender using our own funds, based right here in the Capital Region. No brokers, no credit committee, no out-of-state processing team. Call and you speak with the person who approves your loan.
Call the Decision-MakerRecently funded nearby
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