Nassau County Hard Money Lender — Long Island Local, Same-Day Commitment

Fix and Flip Loans Nassau County — Up to 90% LTV, Close in 7 Days

Nassau County is one of the highest-profit fix and flip markets in the United States. The median home price of $595K combined with strong NYC commuter buyer demand, LIRR access, and severely limited housing inventory creates the ideal flip environment: properties move fast and renovation premiums are real. Renovated 3–4BR colonials and expanded capes in Freeport, Valley Stream, and Hempstead regularly sell for $700K–$1.1M. In the North Shore Gold Coast corridor — Great Neck, Manhasset, and Port Washington — renovated properties routinely achieve $1.2M–$2.5M. The average gross flip profit in Nassau County is $87K — among the highest in the NY metro area.

Sab Tera Lending is the Nassau County fix and flip lender that local investors call first — because we're headquartered here, we know the appraisers, the title companies, and the micro-markets. We issue same-day term sheets and close Nassau County fix and flip loans in 7 days. Up to 90% of purchase price plus 100% of renovation costs, capped at 75% ARV. No W-2s. No tax returns. First-time investors welcome. Minimum 660 FICO.

DSCR Rental Loans Nassau County — No Income Verification

Nassau County's rental market is one of the most stable in the NY metro area. Proximity to NYC, LIRR access, and the chronic shortage of rental housing make Nassau County rental properties highly resilient income producers. Single-family rentals in Elmont, Hempstead, and Uniondale generate $2,800–$4,200/month. Two-family homes across the county produce $5,500–$8,500/month in gross rental income — well above the DSCR thresholds needed to qualify for a 30-year fixed rental loan.

Sab Tera Lending's Nassau County DSCR loans qualify entirely on the property's rental cash flow. No W-2s, no tax returns, no income statements — ever. We offer 30-year fixed terms from 6.5%, up to 80% LTV, for 1–4 family homes and 5+ unit multifamily properties. Self-employed investors, LLC entities, and foreign nationals are all eligible. The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) is one of our most common Nassau County use cases — we bridge the acquisition, then convert to a permanent DSCR loan at stabilization.

Nassau County's Top Investment Towns

Freeport — Nassau County's highest-volume flip market. Waterfront canal properties command significant premiums, with renovated homes on the water selling for $900K–$1.4M. Inland Freeport delivers more affordable entry prices ($350K–$500K) with ARVs of $650K–$900K. Active rental market driven by proximity to the South Shore LIRR.

Hempstead — The most active township in Nassau County by transaction volume. Entry-level purchase prices of $285K–$450K with ARVs of $500K–$750K after renovation make Hempstead one of the best ROI markets in the county. Strong owner-occupant buyer demand from first-time homebuyers priced out of nearby communities.

Valley Stream — Premier LIRR commuter market with direct access to Penn Station. Purchase prices of $400K–$600K with post-renovation ARVs of $700K–$1.0M. Fast absorption — renovated homes in Valley Stream average under 30 days on market, making it ideal for investors prioritizing exit velocity.

Garden City — Nassau County's luxury renovation market. Entry prices of $700K–$1.1M with ARVs of $1.3M–$2.2M on fully renovated colonials and Tudors. Higher loan amounts, higher margins, and a sophisticated buyer pool. Garden City requires experienced renovation teams but delivers the highest absolute dollar profits in Nassau County.