Your Partner in
Real Estate
Investment Success
Sab Tera Lending provides fast, flexible private hard money loans for real estate investors across New York, New Jersey, Connecticut, and Florida. Get your loan commitment the same day — close in 7 days, not 7 weeks.
- Same-Day Loan Commitment
- Close Within 7 Days
- No Income Verification
- Up to 90% LTV
- Direct Lender — No Brokers
- No Upfront Fees
Or get a free Proof of Funds Letter — same day, no obligation
The Preferred Lender Advantage
We built our lending program around what real estate investors actually need — speed, certainty, flexibility, and a partner that shows up every time.
Show Up Every Time
We fund from our own capital — no bank dependencies, no committee approvals. When we give you a commitment, we close. Every time. No last-minute deal blow-ups.
No Income Verification
100% asset-based lending. No W-2s, no tax returns, no pay stubs. We qualify you on the property value and your deal — not your accountant's paperwork.
Close in 7 Days
We close within 7 days of receiving the appraisal — faster than any bank or institutional lender. In a competitive market, speed wins deals.
Same-Day Commitment
Submit your deal and receive a loan commitment the same day. Our streamlined process means no waiting days for a decision that should take hours.
No Upfront Fees
Zero upfront fees to start processing your loan. No application fees, no retainer, no commitment costs. We earn when you close. Period.
No Prepayment Penalties
Sell or refinance early without paying a dime in prepayment penalties on Fix & Flip, Multifamily, and Commercial loans. Maximum flexibility for active investors.
Financing for Every Investment Strategy
Four core loan programs — all with same-day commitment, competitive rates, and closings that banks can't match. View all programs →
Fix & Flip Loans
Buy, renovate, and sell for profit. The #1 choice for house flippers across the NYC metro.
Rental / DSCR Loans
Long-term buy and hold. Qualify on property income — no W-2s or tax returns needed.
Multifamily 5+ Unit Loans
Apartment buildings, value-add acquisitions, and portfolio deals. Fast close, no income verification.
Commercial Real Estate Loans
Mixed-use, retail, office, warehouse, self-storage, and hospitality. Asset-based, fast close.
How to Get Your Loan in 7 Days
From your first call to funded loan — our process is designed to move as fast as you do.
Apply in Minutes
Fill out the form below or call us. Tell us about the property, your purchase price, and your plan. No paperwork required to get started.
Same-Day Commitment
We issue your term sheet the same day for complete submissions. No committees. No delays. You'll know your terms before you go to bed.
Appraisal & Approval
We order an appraisal or BPO — typically 24–48 hours. Once received, we finalize your loan documents and schedule closing.
Close & Fund
Sign at a title company. Funds wire the same day. Start your project immediately. Most deals close within 7 days of application.
The Preferred Private Lender for NY Investors
Sab Tera Lending is a direct private hard money lender serving real estate investors across New York, New Jersey, Connecticut, Florida, Texas, North Carolina, South Carolina, Georgia, and Alabama. We provide fast, asset-based financing for fix and flip projects, DSCR rental portfolios, multifamily acquisitions, and commercial real estate.
Unlike institutional lenders or mortgage brokers, we use our own capital — which means same-day decisions, no committee approvals, and closings in as few as 7 days. We are not a broker. We are not a middleman. We are your lender.
Whether you're a first-time fix and flip investor on Long Island or an experienced portfolio builder doing DSCR refinances in NYC — we structure the loan that fits your deal.
Hard Money Loans in Your Market
We are the preferred private lender across 10 states — from New York to Texas, North Carolina to Alabama. Local expertise, fast closings. View all markets →
New York City
- Manhattan
- Brooklyn
- Queens
- Bronx
- Staten Island
Long Island, NY
- Nassau County
- Suffolk County
- Hamptons
- $92K avg flip profit
New York State
- Westchester County
- Hudson Valley
- Buffalo
- Albany
New Jersey
- Bergen County
- Essex County
- Middlesex County
- Jersey City
Connecticut
- Fairfield County
- Greenwich
- New Haven
- Hartford
Florida
- Miami
- Orlando
- Tampa
- Jacksonville
All Property Types
- Single Family (SFR)
- 2–4 Unit Properties
- Multifamily 5+ Units
- Commercial & Mixed-Use
Texas
- Houston
- Dallas-Fort Worth
- San Antonio
- Austin
North Carolina
- Charlotte
- Raleigh-Durham
- Greensboro
- +6.2% 2025
South Carolina
- Charleston
- Greenville
- Myrtle Beach
- Coastal STR loans
Georgia
- Atlanta
- Savannah
- Augusta
- $61K avg flip
Alabama
- Birmingham
- Huntsville
- Mobile
- 8–12% yields
Sab Tera vs. Banks & Other Lenders
See why serious real estate investors choose a direct private hard money lender over traditional banks.
| Feature | Sab Tera Lending ✓ | Traditional Bank | Other Hard Money |
|---|---|---|---|
| Close Time | 7 Days ★ | 45–90 days | 14–30 days |
| Loan Decision | Same Day ★ | Weeks | 2–5 days |
| Income Verification | Not Required ★ | W-2s, Tax Returns | Sometimes required |
| Max LTV | Up to 90% ★ | 75–80% | 65–75% |
| Distressed Properties | ✓ Yes | ✗ Rarely | ✓ Yes |
| Vacant Properties | ✓ Allowed | ✗ No | Sometimes |
| Prepayment Penalty | None ★ | Yes | Often yes |
| Direct Lender | ✓ Yes | No (institution) | Often brokers |
| Upfront Fees | $0 ★ | Varies | Often yes |
| First-Time Investors | ✓ Welcome | ✗ Difficult | Varies |
Why Investors Choose Us First
"Sab Tera closed my Nassau County flip in 9 days from my first call. The term sheet came the same afternoon I applied. No other lender I've worked with comes close to this speed. They're my go-to lender now."
"I'm self-employed with complex taxes. Sab Tera funded my DSCR rental loan with zero income docs. They qualified it entirely on the property's rent — exactly what I needed to keep growing my portfolio."
"I bought a distressed 8-unit building in Queens at auction. Sab Tera funded it in 11 days with a multifamily bridge loan — no bank would touch it. Their team understood the deal from day one."
Guides & Insights for Real Estate Investors
Learn from our experts. Everything you need to know about hard money lending, fix and flip, DSCR loans, and real estate investing in NY, NJ, CT & FL.
What Is a Private Hard Money Lender?
Everything beginners and experienced investors need to know about how private lending works.
Read Article → Fix & FlipFix & Flip Loan Guide 2026
LTV limits, the draw process, true costs, and how to qualify for your first or next flip loan.
Read Article → Rental LoansDSCR Loans Explained
Build a rental portfolio without W-2s or tax returns. How DSCR is calculated and who qualifies.
Read Article → StrategyHard Money vs. Conventional Mortgage
When to use each type of financing and why speed matters more than rate for active investors.
Read Article →Hard Money Loans: Everything Real Estate Investors Need to Know
New York is one of the most competitive real estate markets in the United States, and hard money loans have become an essential tool for investors who need to move fast. At Sab Tera Lending, we are the direct private hard money lender that investors across all five NYC boroughs, Long Island (Nassau County and Suffolk County), Westchester, New Jersey, Connecticut, and Florida choose first.
What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based loan secured by real estate. Unlike conventional bank loans that focus on the borrower's income and credit history, hard money loans are primarily based on the value of the investment property. This makes hard money financing ideal for real estate investors who are self-employed, have complex finances, or need to close faster than any bank can move. Learn more in our guide: What Is a Private Hard Money Lender?
Fix and Flip Loans New York — Up to 90% LTV
Our Fix & Flip hard money loans are the most popular loan product among New York investors. We finance up to 90% of the purchase price plus 100% of rehabilitation costs, as long as the total does not exceed 75% of the after-repair value (ARV). With interest rates starting at 9.5% and no prepayment penalties, our fix and flip loans give investors the leverage and flexibility to maximize returns. Read our full Fix & Flip Loan Guide 2026.
- Loan amounts from $50,000 to $5 million+
- 12-month terms with extension options
- Up to 90% LTV on purchase price
- 100% of renovation costs funded
- Close in 7 days or less
- No income verification required
DSCR Rental Loans — No Income Verification Required
DSCR loans allow investors to qualify for long-term rental financing based on the property's rental income — not the borrower's W-2 or tax returns. This is the ideal loan for investors growing a rental portfolio in New York, New Jersey, or Florida. Our DSCR rental loans offer 30-year terms with rates starting at 6.5%, up to 80% LTV, available for single-family homes, 2–4 unit properties, and multifamily buildings. Read: DSCR Loans Explained →
Multifamily & Commercial Loans
We also finance multifamily apartment buildings (5+ units) and commercial real estate including mixed-use, retail, office, warehouse, and self-storage. Our commercial and multifamily loans close in 14–21 days — compared to 60–120 days at traditional banks — with no income verification required.
The BRRRR Strategy with Sab Tera Lending
The BRRRR method — Buy, Renovate, Rent, Refinance, Repeat — is one of the most powerful wealth-building strategies in real estate. Sab Tera Lending supports the full BRRRR cycle: start with our Fix & Flip hard money loan to acquire and renovate, then refinance into our DSCR Rental Loan once the property is stabilized. This lets you recycle capital into your next deal.
We Lend in 10 States — Your Market Is Our Market
Beyond our core markets of New York, New Jersey, Connecticut, and Florida, Sab Tera Lending now serves investors across Texas, North Carolina, South Carolina, Georgia, and Alabama. Each market has its own investment characteristics — but in every one, we bring the same same-day commitment and 7-day close that our NY investors have relied on for years. View all service areas →
Why Choose a Direct Private Lender?
As a direct private lender, Sab Tera Lending uses our own capital. This means faster decisions (same day), more flexible underwriting, and certainty of closing. We are not a broker. We don't pass your file to a committee. When we give you a commitment, we close. Compare hard money vs. conventional mortgage →
Hard Money Lending FAQs
The most common questions from real estate investors about hard money loans, DSCR loans, and our process. View all FAQs →
Apply for a Free Loan Consultation
Tell us about your deal. We'll issue a same-day term sheet at no cost, no obligation. The preferred lender for investors who don't wait.
Prefer to Talk Now?
Speak directly with a hard money lending specialist. Same-day commitment available.
📞 Call (516) 336-9293Explore Our Loan Programs
Request a Free Loan Consultation
Tell us about your deal — we respond the same day with a preliminary term sheet at no cost.