New York Hard Money Lender — NYC, Long Island & Beyond
Long Island-based direct private lender serving all of New York. Fix & Flip from 9.5% · DSCR from 6.5% · Up to 90% LTV · No income docs. Same-day commitment — close in 7 days across every NYC borough, Nassau & Suffolk County, Westchester, and all NY markets.
The New York Real Estate Investor Preferred Lender
New York is the most competitive real estate investment market in the United States — and speed matters more here than anywhere. Sab Tera Lending is based on Long Island, giving us deep local expertise across every NYC borough, Nassau County, Suffolk County, and Westchester. When you need a lender who understands New York and can close in 7 days, we're the call you make first.
Counties & Regions We Serve
- Manhattan
- Brooklyn
- Queens
- Bronx
- Staten Island
- Nassau County
- Suffolk County
- Westchester
- Rockland County
- Hudson Valley
Major Markets
Hard Money Loans — All Five NYC Boroughs
New York City is the largest and most competitive hard money lending market in the United States. Sab Tera Lending funds hard money loans, fix and flip loans, DSCR rental loans, and multifamily bridge loans across all five boroughs — with same-day commitments and 7-day closings that are essential in a market where deals close in hours, not weeks.
Brooklyn — New York's premier brownstone renovation market. Renovated 2–3 family homes in Park Slope, Cobble Hill, and Carroll Gardens achieve $2M–$4M ARVs. Crown Heights and Bed-Stuy fix-and-flip deals generate some of the highest percentage ROIs in the metro. Brooklyn hard money loans →
Queens — NYC's multifamily capital. Two-family homes in Astoria, Jackson Heights, and Woodside purchased at $600K–$900K sell for $1.1M–$1.6M post-renovation. DSCR apartment loans qualify on rental income with no income check. Queens hard money loans →
Manhattan — Highest-value hard money market in the US. Mixed-use and multifamily acquisitions from $2M to $10M+. Asset-based underwriting enables deals that conventional lenders can't touch. Same-day commitment on loans up to $10M.
The Bronx & Staten Island — The Bronx offers the highest transaction volume of any NYC borough for entry-level fix-and-flip investors, with purchase prices of $400K–$700K and growing ARVs. Staten Island offers suburban-style single-family flips with NYC-level resale demand.
Long Island & Westchester Hard Money Loans
Long Island is Sab Tera Lending's home market. We are headquartered on Long Island and have funded hundreds of Nassau County and Suffolk County hard money loans. Nassau County investors benefit from a $595K median price, $87K average flip profit, and some of the fastest sale absorption rates in the state. Suffolk County spans from high-volume workforce flips in Brentwood to multi-million dollar Hamptons luxury renovations — the broadest deal range of any NY county. Long Island hard money loans →
Westchester County offers a premium suburban investment market driven by NYC commuters, excellent school districts, and limited housing supply. Yonkers, Mount Vernon, and New Rochelle offer the best value-add opportunities, while Scarsdale, Bronxville, and Rye represent the luxury renovation tier. DSCR rental demand in Westchester is exceptionally strong due to the county's $135K median household income driving above-average rents. Same-day commitment, 7-day close.
Hard Money Loans Available in New York
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 New York Investors Choose Sab Tera First
"Sab Tera closed my Nassau County flip in 9 days from my first call. The term sheet came the same afternoon I applied. I've done 14 flips over 4 years and no lender comes close to their speed. They're my permanent go-to lender for everything in New York."
"Six loans across Brooklyn and Queens with Sab Tera. Every single time they deliver on what they promise. No surprises, no last-minute issues, no delays. When I find a deal I call them first — I know it's done before I even hang up the phone."
"Distressed 8-unit in Queens at auction. Sab Tera funded the multifamily bridge loan in 11 days. No bank would have touched it. Their team understood the value-add story from the first conversation. That's what New York investors need."
Hard Money Loan FAQs — New York
New York City & Long Island Markets
Get a New York Hard Money Loan Today
Same-day commitment · Close in 7 days · No income verification · Serving all of New York