Real rehab complexity
Historic masonry, shared walls, and layered permits are normal here. We plan for the surprises rather than pausing the loan when they appear.
Rensselaer County · Direct Private Lender
Hard Money & Private Money Lender in Troy, NY
Funding for Troy brownstones, multifamily conversions, and single-family flips. Purchase financing may be available up to 90% of the purchase price for qualifying transactions, with approved renovation funds advanced as work is completed and documented — and one point of contact from first review to payoff.
Local Underwriting
What We Know About Lending in Troy
Multifamily conversions
Two- to four-unit projects are a Troy staple. We look at the finished rent roll, not just the purchase price.
Local accountability
We are in the Capital Region, not a call center. When a project needs a conversation, you speak directly with the decision-maker.
Neighborhoods and areas we fund in Troy
Little ItalyWashington ParkLansingburghSouth TroySycawayDowntownWatervlietCohoesEast GreenbushBrunswickRensselaer
Loan terms for Troy 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
Colonie, NY
Fix & Flip
Stillwater, NY
Fix & Flip
Ballston Lake, NY
Fix & Flip