Hard Money Lender Brooklyn NY
Fix & Flip, DSCR Rental, Bridge, Ground-Up Construction, Multifamily 5+ & Commercial hard money loans for Brooklyn real estate investors. No credit score minimum. No income verification. Same-day commitment. Close in 7 days.
Why Brooklyn Is One of the Strongest Hard Money Markets in the Country
Brooklyn (Kings County) remains one of the most active hard money lending markets in New York State. The borough spans two distinct investor profiles: premium brownstone neighborhoods like Park Slope, Cobble Hill, and Brooklyn Heights where renovated multi-families trade for $2M-$4.5M, and high-velocity value-add markets like East New York, Brownsville, Flatbush, and Canarsie where two- and three-family properties purchased in the $400K-$750K range are renovated and resold or refinanced at $900K-$1.5M ARVs.
Statewide, third-party lending data trackers reported average New York hard money rates between 10.14% and 10.41% in Q1 2026, with average loan-to-value near 61% and average loan sizes above $1M. Sab Tera Lending's Brooklyn programs start meaningfully below that market average — Fix & Flip from 9.5%, Bridge from 9.5%, and DSCR Rental from 6.5% — while removing the credit score and income-verification friction that slows down bank and conventional financing.
As a direct private lender headquartered at 15 Artisan Ave., Huntington, NY 11743, Sab Tera funds every Brooklyn program in-house: no loan committees, no correspondent delays, no selling the note before close. That structure is what makes same-day commitment letters and 7-day closings possible on properties from Bay Ridge to Bushwick.
6 Hard Money Loan Programs for Brooklyn NY Investors
① Fix & Flip Loans — Brooklyn NY
Sab Tera funds Brooklyn fix and flip projects up to 90% loan-to-value plus up to 100% of verified renovation costs, at rates from 9.5% interest-only. This program covers everything from a Bed-Stuy brownstone gut renovation to a quick cosmetic flip in Bensonhurst. No credit score minimum, no income documentation, and no prepayment penalty if you sell ahead of schedule. Same-day commitment, 7-day close.
Learn More About Fix & Flip Loans →② DSCR Rental Loans — Brooklyn NY
Brooklyn's deep rental demand makes DSCR financing especially powerful — a Flatbush or Crown Heights 3-family can generate $8,000-$12,000/month in gross rent, comfortably clearing a 1.0+ DSCR ratio. Sab Tera's DSCR Rental program is 30-year fixed from 6.5%, up to 80% LTV, with zero income verification: no W-2s, no tax returns, ever. Vacant or partially occupied buildings qualify using market rent.
Learn More About DSCR Rental Loans →③ Bridge Loans — Brooklyn NY
Bridge financing from 9.5% interest-only covers acquisition, renovation, and cash-out refinance scenarios for Brooklyn investors moving faster than a bank can underwrite — including extracting equity from a stabilized property to fund the next deal. Maximum 70% LTV on cash-out scenarios, no W-2s or tax returns, close in 7 days.
Learn More About Bridge Loans →④ Ground-Up Construction Loans — Brooklyn NY
Sab Tera funds new construction throughout Brooklyn — new 1-4 family builds in East New York, Canarsie, East Flatbush, and Flatlands, plus mixed-use ground-up in Bushwick, Sunset Park, and Gowanus — from 10.0% interest-only, up to 90% loan-to-cost. Draws release on a fast, milestone-based schedule so projects don't stall waiting on funding.
Learn More About Construction Loans →⑤ Multifamily 5+ Loans — Brooklyn NY
For Brooklyn apartment buildings and mixed-use properties with 5 or more units, Sab Tera provides both bridge and permanent financing structured around the property's cash flow — not the sponsor's personal income. Common across Crown Heights, Bushwick, and Flatbush multifamily acquisitions and value-add repositioning plays.
Learn More About Multifamily Loans →⑥ Commercial Hard Money Loans — Brooklyn NY
Retail, mixed-use, industrial, and office properties across Williamsburg, Sunset Park, Gowanus, and Bushwick qualify for Sab Tera's direct commercial hard money financing. Asset-based underwriting, no income verification, close in 7 days.
Learn More About Commercial Loans →Brooklyn NY Hard Money Loan Rates — 2026
| Loan Program | Rate From | Max Leverage | Term | Credit Minimum |
|---|---|---|---|---|
| Fix & Flip | 9.5% IO | 90% LTV / 100% rehab | 12-18 mo. | None |
| DSCR Rental | 6.5% | 80% LTV | 30-yr fixed | None |
| Bridge | 9.5% IO | 70-90% LTV | 12-24 mo. | None |
| Ground-Up Construction | 10.0% IO | 90% LTC | 12-24 mo. | None |
| Multifamily 5+ | 9.5% IO | 75-80% LTV | 12-36 mo. | None |
| Commercial Hard Money | 9.75% IO | 70-75% LTV | 12-36 mo. | None |
Rates and terms shown are starting figures and subject to underwriting review. No prepayment penalties on any Sab Tera Brooklyn loan program.
Brooklyn Neighborhoods & Zip Codes We Fund
| Neighborhood | Zip Codes | Neighborhood | Zip Codes |
|---|---|---|---|
| Bedford-Stuyvesant | 11216, 11221, 11233 | Sunset Park | 11220, 11232 |
| Bushwick | 11206, 11221, 11237 | Borough Park | 11204, 11219 |
| Crown Heights | 11213, 11216, 11225, 11238 | Bensonhurst | 11204, 11214 |
| East New York | 11207, 11208 | Bay Ridge | 11209, 11220 |
| Flatbush | 11210, 11226 | Dyker Heights | 11228 |
| East Flatbush | 11203, 11226 | Gravesend | 11223 |
| Williamsburg | 11206, 11211, 11249 | Sheepshead Bay | 11229, 11235 |
| Greenpoint | 11222 | Brighton Beach | 11235 |
| Park Slope | 11215, 11217 | Coney Island | 11224 |
| Prospect Heights | 11238 | Marine Park | 11234 |
| Carroll Gardens | 11231 | Canarsie | 11236 |
| Cobble Hill | 11201 | Flatlands | 11234, 11236 |
| Red Hook | 11231 | Midwood | 11230 |
| DUMBO | 11201 | Brownsville | 11212 |
| Brooklyn Heights | 11201 | Kensington | 11218 |
| Gowanus | 11215, 11217, 11231 | Windsor Terrace | 11218 |
| Clinton Hill | 11205, 11238 | Fort Greene | 11205, 11217 |
Brooklyn Fix & Flip Profit Calculator
Estimate only, based on 90% purchase LTV, 75% ARV cap, 9.5% interest, 2% origination, 3% closing costs. Actual terms subject to underwriting.
Sab Tera Lending vs. Other Brooklyn Hard Money Lenders
National fix-and-flip and DSCR lenders active in the Brooklyn market impose credit score minimums ranging from 600 to 680+. Sab Tera Lending underwrites on the asset and the deal — not your FICO.
| Lender | Credit Minimum | Fix & Flip Rate From | Max Leverage | Direct Lender? |
|---|---|---|---|---|
| Sab Tera Lending | None | 9.5% | 90% LTV | Yes |
| Lima One Capital | 600+ | ~10-11% | 92.5% LTC | Yes |
| Kiavi | 660-700+ | ~10-11% | 95% LTC | Yes |
| Easy Street Capital | 600+ | 8.90%* | 93% LTC | Yes |
| RCN Capital | 620+ | ~10-11% | 90% LTC | Yes |
| LendingOne | 680+ | ~10-11% | 92.5% LTC | Yes |
*Easy Street Capital rate reflects lowest-published New York starting rate with 0-2 points and a $1,995 document fee. Competitor figures are publicly published rates and guidelines as of Q2 2026 and are subject to change; confirm current terms directly with each lender.
Brooklyn BRRRR & Fix-and-Flip Case Studies
3-Family Value-Add Refinance
An investor purchased a vacant 3-family at $720,000 using a Sab Tera Bridge loan at 90% LTC. After a $180,000 gut renovation funded through draws, the property appraised at $1.35M and was refinanced into a 30-year DSCR loan at 75% LTV — returning the majority of invested capital while cash-flowing on three fully leased units.
2-Family Cosmetic Flip
A first-time Brooklyn investor closed on a distressed 2-family for $410,000 with a Sab Tera Fix & Flip loan, 90% LTV plus 100% rehab draw for a $95,000 renovation. The property sold six months later for $780,000, producing a gross margin well above the East New York market average for comparable renovated two-families.
Mixed-Use New Construction
A repeat Sab Tera borrower used a Ground-Up Construction loan at 85% LTC to build a new 4-unit mixed-use building in Sunset Park. Milestone-based draws kept the 11-month build on schedule, and the completed building was refinanced into permanent multifamily financing at stabilization.
What Brooklyn Investors Say About Sab Tera Lending
"Same-day commitment on my Bed-Stuy brownstone deal — no bank could move that fast."
"No income verification and no credit score hurdles. Closed my Bushwick flip in exactly 7 days."
"Refinanced a Crown Heights 3-family into a DSCR loan with zero W-2s required. Straightforward process."
"Funded my LLC directly, no personal guarantee headaches. Great communication throughout the build."
"My credit wasn't perfect but the deal was solid — that's all that mattered to Sab Tera."
"Third loan with Sab Tera on a Flatbush property. Consistent terms, no surprises at closing."
Brooklyn Hard Money Loan FAQs
Sab Tera Lending has no minimum credit score for Brooklyn hard money loans — approval is based on the property and deal, not your FICO. Competitors like Kiavi require 660+ and LendingOne require 680+. Rates start at 9.5% with up to 90% LTV. See our Fix & Flip Loans page for full terms.
Yes, Sab Tera's Brooklyn DSCR rental loans qualify entirely on the property's rental income — no W-2s, no tax returns, ever. Rates start at 6.5% on 30-year fixed terms, up to 80% LTV, for 1-4 family and 5+ unit buildings. Learn more at DSCR Rental Loans.
Sab Tera closes Brooklyn hard money loans in as few as 7 days from application, with same-day commitment letters issued after initial review. In-house underwriting eliminates bank committee delays. Zero upfront fees. Start your application at Fix & Flip Loans.
Sab Tera funds Brooklyn fix and flip loans up to 90% loan-to-value, plus up to 100% of verified rehab costs, at rates from 9.5% interest-only. There's no prepayment penalty if you sell or refinance early. Full program details are at Fix & Flip Loans.
No — Sab Tera underwrites every Brooklyn loan program on the asset and the deal, not personal income, W-2s, or tax returns. This applies to Fix & Flip, DSCR Rental, Bridge, Construction, Multifamily, and Commercial loans alike. See all six programs at Loan Products.
As of Q1 2026, New York hard money rates averaged 10.14%-10.41% market-wide per third-party lending data. Sab Tera's Brooklyn fix and flip rates start at 9.5% interest-only, below that market average, with no origination surprises. Compare our full rate table at Fix & Flip Loans.
Yes, Sab Tera Lending funds Brooklyn investment properties for foreign national borrowers with no U.S. credit history required, using the same asset-based underwriting applied to all borrowers. LLC ownership is fully eligible too. Rates start at 9.5%. Details at Fix & Flip Loans.
Yes, Sab Tera funds Brooklyn investment properties directly to LLCs, corporations, or individual borrowers with identical terms — no personal guarantee restrictions unique to entity ownership. Same-day commitment and 7-day closings apply regardless of borrower structure. See Loan Products for program details.
A Brooklyn bridge loan is short-term financing, from 9.5% interest-only, that lets investors acquire, renovate, or cash-out refinance a property before securing permanent financing or selling. Sab Tera closes bridge loans in 7 days with no prepayment penalty. Learn more at Bridge Loans.
Sab Tera's Brooklyn ground-up construction loans start at 10.0% interest-only, with financing up to 90% of loan-to-cost for new 1-4 family and mixed-use builds. Draws are released on a fast, milestone-based schedule. Full underwriting guidelines are at Ground-Up Construction Loans.
No — Sab Tera charges zero prepayment penalties on every Brooklyn loan program, so you can sell, refinance, or pay off early without a fee. This applies across Fix & Flip, DSCR, Bridge, Construction, Multifamily, and Commercial. See terms at Loan Products.
Sab Tera funds hard money loans in every Kings County neighborhood, including Bed-Stuy, Bushwick, Crown Heights, Williamsburg, Park Slope, Flatbush, Sunset Park, Bay Ridge, and 30+ more. Same underwriting and 7-day close apply borough-wide. See the coverage table above or visit Service Areas.
Sab Tera underwrites Brooklyn multifamily loans on the property's cash flow and value, not personal income, for buildings with 5+ units. No credit minimum, competitive leverage, and 7-day closings apply. Explore program details at Multifamily 5+ Loans.
Brooklyn Hard Money Lending — Related Searches
Ready to Fund Your Next Brooklyn Deal?
Same-day commitment. No credit minimum. No income verification. Close in 7 days.
Get Your Term Sheet Today → 📞 (516) 336-9293