Your Partner in
Real Estate
Investment Success
Sab Tera Lending provides fast, flexible private hard money loans for real estate investors across 20 states — from New York to Ohio, Virginia to Michigan, Tennessee to Louisiana. 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
- No Credit Score Minimum
- Zero 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 across all 20 states.
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 across all 20 states.
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.
Zero 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 Credit Score Minimum
Unlike Lima One (660 FICO), Kiavi (640 FICO), or Easy Street Capital (600 FICO) — Sab Tera Lending has no minimum credit score for any loan program. Your deal drives the decision.
Financing for Every Investment Strategy
Six 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 all 20 markets.
DSCR Rental Loans
Long-term buy and hold. Qualify on property income — no W-2s or tax returns needed.
Bridge Loans
Short-term bridge financing for acquisitions, transitions, and exits. Fast close, all 20 states.
Ground-Up Construction
New build financing from 10.0% IO. Up to 90% LTC. Fast draws, no prepayment penalties.
Multifamily 5+ Loans
Apartment buildings, value-add acquisitions, and portfolio deals. Fast close, no income verification.
Commercial RE 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, in any of our 20 service states.
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 Investors Across 20 States
Sab Tera Lending is a direct private hard money lender serving real estate investors across New York, New Jersey, Connecticut, Florida, Texas, Pennsylvania, Ohio, Virginia, Michigan, Massachusetts, Kentucky, Tennessee, Indiana, Mississippi, Louisiana, North Carolina, South Carolina, Georgia, and Alabama. We provide fast, asset-based financing for fix and flip projects, DSCR rental portfolios, bridge acquisitions, ground-up construction, multifamily, 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, building a rental portfolio in Columbus, Ohio, or developing ground-up in Nashville, Tennessee — we structure the loan that fits your deal.
Hard Money Loans in Your Market
We are the preferred private lender across 20 states — from New York to Louisiana, Ohio to Massachusetts. Local expertise, same-day commitment, 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 · Tampa
- Orlando · Jacksonville
- Fort Lauderdale
Texas
- Houston
- Dallas–Fort Worth
- San Antonio · Austin
Pennsylvania
- Philadelphia
- Pittsburgh
- Allentown · Harrisburg
Ohio
- Columbus
- Cleveland · Cincinnati
- Dayton · Akron
Virginia
- Northern VA / DC
- Richmond
- Hampton Roads
Indiana
- Indianapolis
- Fort Wayne
- South Bend · Evansville
Michigan
- Detroit Metro
- Grand Rapids
- Ann Arbor · Lansing
Massachusetts
- Greater Boston
- Worcester
- Springfield · Cape Cod
Kentucky
- Louisville
- Lexington
- Bowling Green
Tennessee
- Nashville
- Memphis · Knoxville
- Chattanooga
Mississippi
- Jackson
- Gulfport · Biloxi
- Hattiesburg
Louisiana
- New Orleans
- Baton Rouge
- Shreveport
North Carolina
- Charlotte
- Raleigh–Durham
- Greensboro · +6.2% 2025
South Carolina
- Charleston
- Greenville
- Myrtle Beach
Georgia
- Atlanta
- Savannah · Augusta
- $61K avg flip profit
Alabama
- Birmingham
- Huntsville · Mobile
- 8–12% yields
All Property Types
- Single Family (SFR)
- 2–4 Unit Properties
- Multifamily 5+ Units
- Commercial & Mixed-Use
Sab Tera vs. Banks & Other Lenders
See why serious real estate investors across 20 states choose a direct private hard money lender over traditional banks and competitors.
| 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 |
| Credit Score Minimum | None ★ | 680+ | 600–660 required |
| Max LTV | Up to 90% ★ | 75–80% | 65–75% |
| Distressed Properties | ✓ Yes | ✗ Rarely | ✓ Yes |
| Upfront Fees | $0 ★ | Varies | Often $1,500–$2,000+ |
| Prepayment Penalty | None ★ | Yes | Often yes |
| Direct Lender | ✓ Yes | No (institution) | Often brokers |
| States Served | 20 States ★ | Varies | Often 5–10 states |
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 in Ohio."
"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, bridge financing, and ground-up construction across all 20 states.
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 Across 20 States — Everything Real Estate Investors Need to Know
Sab Tera Lending is the direct private hard money lender investors across 20 states choose first. From Long Island (Nassau County and Suffolk County) and all five NYC boroughs, to Columbus, Ohio, Philadelphia, Pennsylvania, Northern Virginia, Detroit, Michigan, Nashville, Tennessee, Indianapolis, Indiana, Boston, Massachusetts, Louisville, Kentucky, New Orleans, Louisiana, and Jackson, Mississippi — we bring the same same-day commitment and 7-day close to every market.
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: What Is a Private Hard Money Lender?
Fix & Flip Loans — Up to 90% LTV Across 20 States
Our Fix & Flip hard money loans are the most popular loan product among investors in our 20-state footprint. We finance up to 90% of the purchase price plus 100% of rehabilitation costs, capped at 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 in every market. Read our 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 — no credit minimum
Bridge Loans — Short-Term Financing in Every Market
Our Bridge loans start at 9.5% interest-only for short-term acquisitions, asset transitions, and exit financing. Whether you need to close before your current property sells, fund a value-add deal before permanent financing, or move fast on an auction, our bridge loans close in 7 days across all 20 states. No income verification. No credit minimum. No upfront fees.
Ground-Up Construction Loans — New Builds Across 20 States
Our Ground-Up Construction loans fund new residential and commercial builds from 10.0% interest-only, up to 90% of loan-to-cost (LTC). We fund new build projects in the fastest-growing construction markets in our footprint — Nashville TN, Columbus OH, Indianapolis IN, Richmond VA, Philadelphia suburbs PA, and beyond. Fast draw schedules, no prepayment penalties.
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 W-2s or tax returns. Our DSCR rental loans offer 30-year terms with rates starting at 6.5%, up to 80% LTV, for single-family homes and 2–4 unit investment properties across all 20 service states. Perfect for the BRRRR method — pair with our Fix & Flip loan to acquire and renovate, then refinance into a DSCR loan to hold and cash flow. 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 across all 20 states. Our commercial and multifamily loans close in 14–21 days — compared to 60–120 days at traditional banks — with no income verification required.
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 (no credit minimum), 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 — in every one of our 20 service states. Compare hard money vs. conventional mortgage →
Hard Money Lending FAQs
The most common questions from real estate investors about hard money loans, DSCR loans, bridge financing, and our process across all 20 states. 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 — across all 20 states.
Prefer to Talk Now?
Speak directly with a hard money lending specialist. Same-day commitment available for any of our 20 service states.
📞 Call (516) 336-9293Explore Our 6 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.