Hard Money Lender Long Island, NY — Local, Same-Day Commitment
Headquartered on Long Island — your local private hard money lender for Nassau and Suffolk County. Fix & Flip from 9.5% · DSCR rentals from 6.5% · Up to 90% LTV · No income verification. Same-day term sheet — close in as few as 7 days across Hempstead, Oyster Bay, Babylon, Islip, Huntington, and all of Long Island.
Long Island's Local Hard Money Lender — Headquartered Right Here
Sab Tera Lending is headquartered on Long Island — we know Nassau and Suffolk County better than any out-of-state lender ever could. Long Island's median home price of $680K and average flip profit of $92K make it the highest-profit fix-and-flip market in the New York metro. We've funded hundreds of deals across the Island and we close faster than any lender in the market.
Nassau & Suffolk Counties We Serve
- Nassau County — Town of Hempstead, Town of Oyster Bay, Town of North Hempstead
- Suffolk County — Town of Babylon, Town of Islip, Town of Huntington, Town of Smithtown
- East End — Town of Brookhaven, Riverhead, Southampton, East Hampton
Key Markets
Hard Money Lenders in Oyster Bay, NY
The Town of Oyster Bay is one of the most active fix-and-flip markets in Nassau County, encompassing Oyster Bay hamlet, Syosset, Woodbury, Plainview, Jericho, Hicksville, Massapequa, and Old Bethpage. With strong school districts driving buyer demand and median home prices well above the state average, renovated properties in Oyster Bay Town routinely achieve ARVs of $900K–$1.4M on 3-4 bedroom homes. We are a local Long Island lender — not an out-of-state firm — and we have closed dozens of deals across Oyster Bay Town.
Sab Tera Lending issues same-day loan commitments and closes Oyster Bay hard money loans in 7 days. Fix & Flip loans up to 90% LTV. DSCR rental loans from 6.5% on 30-year terms. No W-2s, no tax returns, no income verification required.
Hard Money Lenders in Central Islip & Babylon, NY
Central Islip and the Town of Babylon represent some of the most investor-active submarkets in western Suffolk County. Neighborhoods including Central Islip, Bay Shore, Brentwood, Lindenhurst, Amityville, Babylon village, North Babylon, and West Babylon offer distressed properties at entry price points of $250K–$450K with strong post-renovation ARVs. Proximity to the Babylon LIRR branch — with direct service to Penn Station — drives steady demand from NYC commuters, supporting both fix-and-flip resale and DSCR rental hold strategies.
We regularly close fix and flip loans and bridge loans in Central Islip and Babylon Town in under 10 days. Vacant and distressed properties are welcome — we evaluate the deal, not just the current condition. No income verification at any stage.
Hard Money Lenders in Hempstead, NY
The Town of Hempstead is the most populous town in New York State and one of the highest-volume investment property markets on Long Island. It encompasses Hempstead village, Valley Stream, Freeport, Rockville Centre, Elmont, Merrick, Bellmore, Seaford, Wantagh, and dozens of other communities. Investors find strong fix-and-flip opportunities across all price tiers — from entry-level flips in Elmont and Valley Stream to high-ARV renovations in Merrick and Bellmore where renovated homes regularly achieve $800K–$1.1M.
As a local Long Island lender with a 516 area code, we know every Hempstead Town submarket. Same-day loan commitments. Close in 7 days. DSCR rental loans available with no income verification for buy-and-hold investors across all Hempstead Town communities.
Hard Money Loans in Islip, Patchogue & Smithtown, NY
The Town of Islip — including Islip, East Islip, West Islip, Bay Shore, Bohemia, Central Islip, Holbrook, and Oakdale — is one of Suffolk's most diverse investment markets, spanning entry-level rentals near Central Islip to waterfront properties near Bay Shore and Islip itself. Patchogue and Port Jefferson Station have emerged as strong BRRRR strategy markets, benefiting from downtown revitalization and LIRR accessibility. Smithtown (including Commack, Kings Park, Hauppauge, and St. James) offers stable suburban flips with predictable ARVs driven by school district demand.
We close hard money loans across all three towns in 7–14 days. Fix & Flip up to 90% LTV, DSCR rental loans from 6.5%, and multifamily bridge loans for 5+ unit buildings. Vacant properties, distressed properties, and REO acquisitions are all eligible.
Hard Money Loans Available in Long Island, NY
Four core programs — all with same-day commitment and the fastest closings in the market.
Buy, renovate, and sell for profit. Up to 90% purchase + 100% rehab. Close in 7 days.
Long-term buy and hold. Qualify on property income. 30-year terms. Vacant properties OK.
Apartment buildings and value-add acquisitions. No minimum occupancy. Close in 14–21 days.
Mixed-use, retail, office, industrial, self-storage. Asset-based. Close in 14–21 days.
Why Long Island, NY Investors Choose Sab Tera First
"Eight flips in Nassau County financed by Sab Tera. They understand the Long Island market better than any lender I've worked with. When I find a deal in the $400K–$600K range they fund it fast and I can compete with cash buyers. Local knowledge plus national speed."
"Seven rental properties in Suffolk County, all financed with Sab Tera DSCR loans. They're local, they understand the submarkets, and they never ask for tax returns. As a self-employed investor that combination is everything. My permanent lender on Long Island."
"Bought a distressed 6-unit in Freeport that had been vacant for 2 years. Sab Tera funded a multifamily bridge loan in 13 days. No bank would touch it. Now fully renovated and cash-flowing. They're the only lender I trust on Long Island for complex deals."
Hard Money Loan FAQs — Long Island, NY
Hard Money Loans by County — Nassau & Suffolk
Sab Tera Lending provides dedicated county-level hard money and private money lending across all of Long Island.
Nassau County
Freeport · Hempstead · Valley Stream · Garden City · Mineola · Levittown · Hicksville · Westbury · Great Neck · Elmont
Suffolk County
Brentwood · Bay Shore · Huntington · Patchogue · The Hamptons · North Fork · Babylon · Smithtown · Riverhead
Get a Long Island Hard Money Loan Today
Local Long Island lender · Same-day commitment · Close in 7 days · Nassau & Suffolk specialists