Hard Money Lending on Long Island:
The Complete Investor Guide for 2026

Long Island real estate moves fast. A deal in Freeport, a distressed colonial in Brentwood, a waterfront renovation in East Hampton — these opportunities don't wait 60 days for a bank committee. Hard money lending on Long Island exists specifically for this market.

Sab Tera Lending is headquartered on Long Island — not in a Manhattan office building, not in Dallas or Phoenix, and not inside a fintech app funded out of state. We are local. We know the difference between the North Shore and South Shore, between Nassau County entry-level flips and Suffolk County's Hamptons luxury market. When you call us with a Long Island deal, you reach a decision-maker who can issue a same-day term sheet and close in 7 days — with no minimum credit score required.

This guide covers everything real estate investors need to know about hard money lending on Long Island in 2026 — how it works, what it costs, the specific markets where LI hard money loans deliver the best returns, real case studies with actual numbers, and an honest, named-competitor comparison against Lima One Capital, Kiavi, Easy Street Capital, RCN Capital, and LendingOne so you can see exactly how Long Island's local direct lender stacks up against the national platforms.

What Is Hard Money Lending?

Hard money lending means asset-based loans secured by real estate — where the property value, not the borrower's income or credit score, is the primary underwriting factor. A hard money lender evaluates the deal: what is the property worth today, what will it be worth after renovation (the ARV), and does the deal make financial sense?

That's fundamentally different from how a bank thinks. A bank underwrites the borrower. A hard money lender underwrites the property. This distinction is why hard money loans close in days instead of months, and why banks decline properties that hard money lenders fund every day — distressed homes, missing Certificates of Occupancy, properties in LLCs, auction buys with 7-day deadlines.

On Long Island specifically, the category has grown to include several distinct sub-products that investors often lump together under one label. Fix and flip loans fund the purchase and renovation of a distressed property for resale within 6-12 months. Bridge loans provide short-term carry financing between the sale of one property and the purchase of another, or to acquire a deal quickly while permanent financing is arranged. DSCR rental loans are 30-year fixed instruments underwritten on the property's rental income rather than the borrower's personal income, making them the natural exit for an investor who renovates and decides to hold rather than sell. Ground-up construction loans fund new builds on vacant or teardown lots, which are increasingly common in western Suffolk as older housing stock is replaced rather than renovated. Understanding which of these four products fits your Long Island strategy — and knowing that a single lender like Sab Tera can carry you through all four without changing relationships — is the first step to using hard money effectively.

Why Long Island Is One of the Best Hard Money Markets in the US

Long Island's real estate investment market consistently delivers some of the strongest fix-and-flip returns in the country. Several structural factors drive this:

1. NYC Buyer Overflow Creates Insatiable Demand

As Manhattan and Brooklyn prices push past $1M for average homes, buyers migrate east — first to Queens, then to Nassau County, then further into Suffolk. This migration has driven Long Island's median home price to $680K and created a buyer pool deep enough to absorb renovated inventory within 15-30 days on market in most towns. For fix-and-flip investors, fast sale velocity is everything — and Long Island delivers it consistently.

2. Aging Housing Stock = Renovation Opportunity at Scale

Thousands of 1950s-1970s cape cods and colonials in Nassau County and western Suffolk have not been updated in decades. Light-to-medium renovations of $40,000-$120,000 routinely produce ARV uplifts of $150,000-$350,000. The supply of these deals is not running out anytime soon — they represent the majority of Long Island's residential housing stock, and every one of them is a candidate for hard money financing that a conventional bank will not touch until after renovation.

3. The Hamptons Adds a Premium Tier No Other LI Market Has

No other NY metro market has what Suffolk County has: the Hamptons. East Hampton, Southampton, Bridgehampton, Westhampton, and Sag Harbor properties generate luxury renovation returns that compete with Manhattan. A $1.6M purchase with a $900K renovation in East Hampton producing a $3.5M sale is a real Sab Tera transaction — and the type of deal that no conventional bank would touch with a 7-day close requirement.

4. A Rental Market Strong Enough for DSCR Exits

Long Island's rental market — fed by the same NYC overflow demand that drives sale prices — supports excellent DSCR rental loan exits. Investors who buy and renovate with a Sab Tera fix-and-flip loan can refinance into a 30-year fixed DSCR rental loan from 6.5% once the property is stabilized, often pulling cash out in the process.

5. Auction and Foreclosure Volume Rewards Speed Over Price

Nassau and Suffolk County district court auctions move dozens of distressed properties every month, most with 7-10 day closing deadlines that only a local, decision-making direct lender can meet. Investors who can move at auction speed routinely acquire properties 10-20% below open-market comparable value — a discount that a slow national platform simply cannot help you capture, no matter how competitive its advertised rate is.

6. LIRR Access Makes Rental Demand Durable, Not Seasonal

Unlike many secondary investment markets that rely on a single economic driver, Long Island's rental demand is anchored by the Long Island Rail Road. Towns within walking distance of an LIRR station — Huntington, Babylon, Patchogue, Ronkonkoma — see rents hold up in slow economic quarters because the tenant base commutes into NYC for work regardless of broader housing market swings. That durability is exactly what DSCR underwriting rewards: a stable, predictable rent roll supports a stronger loan-to-value at refinance.

7. Insurance and Flood Zone Complexity Favors Local Underwriting

Long Island's south shore and waterfront Hamptons properties frequently sit in FEMA flood zones that require specialized insurance underwriting most national lenders' automated systems are not built to evaluate quickly. Sab Tera's in-house team reviews flood certifications and insurance quotes manually as part of the same-day term sheet process, rather than kicking the file into a multi-week exception review — a step that has stalled Hamptons deals for investors using out-of-state platforms.

Best Long Island Markets for Hard Money Loans in 2026

Long Island's investment market splits into distinct segments. Understanding which segment fits your strategy determines your returns:

Nassau County — High-Volume Flip Market

Nassau County is the most active fix-and-flip market on Long Island. Entry prices of $300K-$500K in towns like Freeport, Hempstead, Valley Stream, and Elmont produce post-renovation ARVs of $600K-$900K — generating average profits of $150K-$250K per deal. These deals move fast: Sab Tera closes Nassau County hard money loans in 7 days consistently, and our appraisers know every block.

Western Suffolk — Volume at Higher Price Points

Brentwood, Bay Shore, Wyandanch, and Babylon offer the highest fix-and-flip volume in Suffolk County. Entry prices of $350K-$500K with renovation budgets of $80K-$150K produce ARVs of $600K-$800K. This corridor is active year-round and has benefited from accelerating appreciation as buyers migrate further east from Nassau.

Mid-Suffolk & North Fork — Growth Corridor

Huntington, Smithtown, Patchogue, Commack, and Hauppauge are seeing the strongest year-over-year appreciation gains on Long Island as NYC buyers extend their search east. DSCR rental opportunities here are particularly strong — proximity to LIRR stations commands a rental premium, and the underlying property values support excellent long-term hold strategies. Sab Tera Lending's headquarters sits in Huntington, right in the middle of this corridor, which is part of why our turnaround times here are often faster than in any other segment of the Island.

The Hamptons — Luxury Hard Money Specialist

The Hamptons are in a category of their own. Quogue, East Hampton, Southampton, Sagaponack, and Bridgehampton have median sale prices above $2M. Renovation projects here require a lender with the expertise and capital to fund $1M-$2M construction budgets at speed. Sab Tera has funded Hamptons hard money loans from $1M to $5M+ and understands the specific permit requirements, contractor relationships, and appraisal dynamics that define this market.

Long Island Plus 19 States — Full Sab Tera Coverage Map

Long Island is Sab Tera Lending's home market and our 20th coverage area alongside 19 states across the Northeast, South, and Midwest. Every market below gets the same fix & flip, DSCR rental, bridge, ground-up construction, multifamily, and commercial hard money programs — no income verification, no minimum credit score, close in 7 days.

Many Long Island investors use this map to diversify: a Nassau County flip funded through Sab Tera can sit alongside a Florida DSCR rental or an Ohio buy-and-hold, all serviced through the same underwriting relationship and the same $0-upfront-fee, no-prepayment-penalty structure.

Long Island Renovation ROI by Property Type

Not every renovation produces the same return on Long Island. The following ranges reflect typical Sab Tera-funded projects across Nassau and Suffolk County in 2025-2026, and are meant as planning benchmarks rather than guarantees:

The single biggest variable that determines whether a Long Island flip hits these numbers is holding-cost discipline. Every extra week a loan sits open at 9.5% interest-only erodes margin — which is exactly why Sab Tera's 7-day close and 2-3 day appraisal turnaround are structural advantages, not just marketing claims. A deal that a national lender takes 25-35 days to close can cost an investor an additional 3-4 weeks of interest carry compared to the same deal funded locally.

Nassau vs. Western Suffolk vs. the Hamptons: Which Fits Your Strategy?

New Long Island investors often ask which part of the Island to start in. There is no universally correct answer — it depends on available capital, risk tolerance, and how hands-on you want to be with contractor management. The comparison below breaks down the three core segments side by side:

Most first-time Long Island investors start in Nassau County or western Suffolk, where entry capital requirements are lower and inventory turns faster, then graduate into Hamptons luxury renovation once they have completed 2-3 successful projects and built a relationship with a lender who understands both ends of the market. Sab Tera Lending funds investors at every stage of that progression under the same underwriting relationship.

Fix and Flip vs. BRRRR on Long Island — Which Exit Strategy Wins?

Long Island investors generally choose between two exit strategies once a renovation is complete: sell for a lump-sum profit (fix and flip) or refinance into a long-term rental (BRRRR — Buy, Rehab, Rent, Refinance, Repeat). Both start with the same Sab Tera fix-and-flip loan; the difference is what happens at month 6-12.

Fix and flip works best in high-velocity markets like Nassau County and western Suffolk, where 15-30 day sale timelines let an investor recycle capital into the next deal quickly. The tradeoff is a single lump-sum profit and full exposure to a softening resale market if timing slips.

BRRRR works best in LIRR-adjacent rental markets like Huntington, Babylon, and Patchogue, where strong, durable rents support a DSCR refinance that returns most or all of the investor's original capital while the property continues to appreciate and cash-flow. The tradeoff is a longer capital cycle and exposure to interest-rate movement between the fix-and-flip loan and the eventual DSCR refinance.

Sab Tera Lending is structured to support either path without forcing a decision upfront — a fix-and-flip loan can convert into a DSCR refinance the moment a property is rent-ready, or the investor can simply sell and pay off the loan in full with no prepayment penalty either way.

Deal Case Studies — Real Sab Tera Long Island Transactions

Specific, real deal numbers are what investors look for when choosing a lender. Here are three real Sab Tera Lending transactions across three different Long Island service areas — Nassau County, the Hamptons, and mid-Suffolk County:

Each of these deals shares the same underlying structure: no income documentation, no credit score minimum, same-day term sheet, and a close inside 10 days. The Freeport flip and the Huntington DSCR refinance both illustrate the fix-and-flip-to-rental pipeline that many Long Island investors run through Sab Tera — buy and renovate with a short-term loan, then refinance into a 30-year fixed DSCR loan once the property is rented and stabilized.

How Long Island Hard Money Lending Works — Step by Step

Auction deadlines and competitive bid situations are our specialty — Sab Tera Lending closes Long Island auction buys in 7 days consistently, particularly in Nassau County district court auction sales. Because underwriting stays in-house rather than routing through a loan committee in another state, there is no step in this process where your file sits in a queue waiting on someone who has never seen a Long Island property.

Long Island Hard Money Loan Rates, Terms & LTV

Sab Tera Lending's current Long Island hard money loan parameters:

Sab Tera vs. the 5 Biggest National Hard Money Lenders

Long Island investors researching hard money options inevitably come across the large national platforms that dominate paid search: Lima One Capital, Kiavi, Easy Street Capital, RCN Capital, and LendingOne. All five are legitimate, well-funded lenders — but every one of them publishes a minimum FICO score, and none is headquartered on Long Island. Here is how their published guidelines compare to Sab Tera Lending, based on publicly available lender information:

Competitor rates and credit score guidelines reflect publicly available lender information as of mid-2026 and are subject to change; confirm current terms directly with each lender before applying.

A Closer Look at Each National Competitor

Lima One Capital is a Greenville, SC-based institutional lender that has funded billions in investor loans nationwide. Its strength is a comprehensive product suite spanning fix-and-flip, DSCR, and ground-up construction under one roof with a dedicated account manager — but published credit floors run 600-660 depending on the program, and closing timelines of 21-35 days are common for anything beyond the simplest file.

Kiavi (formerly LendingHome) is a technology-driven direct lender known for a polished, self-service borrower portal and fast internal valuations that skip a traditional appraisal on many fix-and-flip files. The tradeoff is a firm 640-660 minimum credit score and pricing that industry reviewers describe as running toward the higher end for lower-credit borrowers.

Easy Street Capital, based in Texas, markets an aggressive no-appraisal, 24-48 hour term sheet model with credit floors as low as 600-640 on its EasyFix program. Investors researching Easy Street Capital should weigh its speed and flexibility against reported service-quality concerns and a prepayment penalty structure that runs stricter than Sab Tera's zero-penalty policy.

RCN Capital, headquartered in Connecticut, is a well-established wholesale-first lender popular for complex deals — multifamily, foreign nationals, additions and non-standard properties. Its manual underwriting process is thorough but slower, with 660+ credit typically required and closing timelines that stretch into several weeks for anything outside a simple SFR flip.

LendingOne, based in Florida, is a tech-driven shop with one of the most aggressive published DSCR programs in its tier and loan amounts scaling up to $50 million for larger investors. Credit floors of 640-680 and multi-week closing timelines make it a fit for larger, more patient transactions rather than Long Island's fast-moving auction and flip market.

Where Sab Tera Lending Wins on Long Island Specifically

None of the five national platforms above maintain a physical presence on Long Island. That matters more than it sounds: appraisers who don't know the difference between a North Shore waterfront lot and a South Shore flood-zone lot routinely produce conservative valuations that shrink your loan proceeds. Sab Tera's in-house team and local appraiser network eliminate that gap. It also means auction deadlines — a Nassau County district court sale closing in 7 days — are simply outside the operational speed of a national underwriting queue, no matter how good that lender's technology is.

Where the National Platforms Have an Edge

To be fair to the competition: Kiavi's proprietary technology platform offers a highly automated, self-service borrower portal that some repeat, high-volume investors prefer for tracking multiple simultaneous deals. Lima One Capital's institutional balance sheet supports very large multifamily and portfolio transactions. Easy Street Capital's no-appraisal EasyFix model can move an initial term sheet faster than almost anyone in the industry. Long Island investors comparing lenders should weigh these strengths against the value of a same-day, in-person, no-minimum-credit-score relationship with a lender who is actually local.

Understanding Points, Fees & the True Cost of a Long Island Hard Money Loan

Rate alone does not tell you what a hard money loan costs. Most Long Island hard money lenders — Sab Tera included — charge origination points (typically 1-3 points, or 1-3% of the loan amount) in addition to the interest rate, plus appraisal and title costs. A $400,000 Nassau County loan at 2 points costs $8,000 upfront on top of the interest-only payments. Sab Tera charges $0 in upfront fees, meaning points and underwriting costs are collected at closing from loan proceeds rather than out of your pocket before you have a deal in hand.

Prepayment penalties are the other line item investors underestimate. Many national DSCR programs use a 5-4-3-2-1 declining prepayment structure that can cost thousands if you refinance or sell earlier than planned. Sab Tera Lending charges no prepayment penalty on any Long Island loan program, which matters enormously for fix-and-flip investors whose entire business model depends on selling — or refinancing into a DSCR loan — ahead of schedule.

Finally, factor in interest carry. A 12-month fix-and-flip loan that actually closes out in 4 months (a fast, successful flip) only costs 4 months of interest — but if the lender's slow closing process burns 3-4 extra weeks before you can even start renovation, that's real money gone before the project begins. This is why close time functions as a hidden cost multiplier, not just a convenience feature.

Common Mistakes Long Island Investors Make with Hard Money Loans

Underestimating Renovation Timelines in Nassau & Suffolk Permitting

Local building departments in towns like Hempstead and Babylon can take longer than investors expect for permit approval on structural work. Investors who budget a 12-month loan term with only 8 months of planned renovation give themselves a cushion; those who plan renovation to the exact loan term often end up scrambling for an extension.

Choosing the Cheapest Advertised Rate Over the Fastest Real Close

A 0.5% lower advertised rate from a national platform is meaningless if the deal falls through an auction deadline because underwriting took three weeks instead of one. Always weigh advertised rate against actual, verified close time for your specific property type and location.

Not Confirming Flood Zone & Insurance Costs Before Closing

South Shore and Hamptons waterfront investors sometimes underwrite their exit numbers without pricing flood insurance accurately, which can add $3,000-$8,000+ per year to holding costs on a rental exit. Get an insurance quote during the appraisal period, not after closing.

Skipping the DSCR Refinance Plan on a Buy-and-Hold

Investors who buy with a short-term fix-and-flip loan intending to hold as a rental sometimes wait too long to start the DSCR refinance conversation, running into loan-term expiration. Start the DSCR rental loan conversation as soon as the property is rent-ready, not after the fix-and-flip loan is already near maturity.

When to Use a Hard Money Loan on Long Island

Fix and Flip Projects

The most common use. You buy a distressed property, renovate it, and sell it within 6-12 months. The hard money loan funds the purchase and up to 100% of the renovation. When you sell, you pay off the loan and pocket the profit. Nassau County alone produces hundreds of these deals every year.

Auction Purchases with 7-Day Deadlines

Foreclosure auctions and competitive bids often require closing in 7-10 days — a timeline no conventional bank can meet. Sab Tera closes Long Island auction buys in 7 days consistently. This is one of our most common use cases, particularly in Nassau County district court auction sales.

Properties Banks Won't Finance

No Certificate of Occupancy? Significant deferred maintenance? Vacant for years? Banks decline these routinely. Hard money lenders fund based on the property's value and the renovation plan. We fund properties in every condition across Long Island.

LLC and Entity Purchases

Many Long Island investors want to hold properties in LLCs for liability protection and tax purposes. Banks often won't fund LLCs. Sab Tera Lending funds Long Island hard money loans in LLC and corporate names without requiring personal guaranty in most cases.

Bridge Loans & DSCR Refinances

Buy a new property before your existing one sells, or tap equity in a stabilized rental to fund the next acquisition. Sab Tera provides bridge loans across Long Island with the same 7-day close timeline as our fix-and-flip products, and DSCR rental refinances from 6.5% once a renovated property is stabilized and rented.

Ground-Up Construction on Teardown Lots

As renovation-ready inventory tightens in western Suffolk, more investors are buying older homes purely for the lot and building new. Sab Tera's ground-up construction program funds these builds from 10.0% interest-only with draw schedules tied to construction milestones rather than a rigid bank draw calendar.

Behind the Scenes: How Sab Tera Underwrites a Long Island Deal

Investors often assume "no minimum credit score" means no underwriting at all. It doesn't — it means the underwriting focus shifts entirely to the property and the plan. When a Long Island deal comes in, three things happen in parallel rather than in a sequential queue, which is a large part of why Sab Tera can turn a term sheet around the same day a call comes in.

First, a preliminary valuation is run using recent comparable sales specific to the town — not a regional average, which is where automated national platforms often misjudge Long Island's block-by-block value differences between, say, a waterfront Freeport lot and one three blocks inland. Second, title is pulled to confirm there are no unresolved liens that would block a clean 7-day close. Third, the renovation scope is reviewed against the requested loan amount to confirm the 90% purchase / 100% rehab structure stays within the 75% ARV cap.

Once those three checks clear, the appraisal is ordered from a local Long Island appraiser rather than a national appraisal management company, which is typically the single biggest time-saver in the entire process — local appraisers already know the comps and can turn a report around in 2-3 days instead of the 7-10 days common with an out-of-area AMC. From there, the commitment letter and closing documents move in-house, with no external loan committee sign-off required.

How to Qualify for a Long Island Hard Money Loan

Sab Tera Lending's Long Island hard money loan requirements are intentionally simple, and deliberately built around the deal rather than the borrower's financial history. Here is exactly what we look at when a Long Island application comes in:

• A viable deal — the property value must support the loan at 75% ARV or below
• No minimum credit score — we focus on the deal, not your FICO
• Clear title — no unresolved liens or encumbrances at closing
• Renovation plan — a basic scope of work for rehabilitation projects
• Entity acceptable — LLC, corporation, trust, or individual name all accepted
• No income verification — no W-2s, no tax returns, no DTI calculation
• Experience helps but is not required — we fund first-time Long Island investors with the right deal
• Foreign nationals eligible — international investors purchasing through a U.S. entity are welcome

Seasonal Trends: Best Time of Year to Buy on Long Island

Long Island's real estate market has a distinct seasonal rhythm that affects both acquisition price and resale speed. Late winter through early spring (February-April) typically produces the best acquisition pricing in Nassau and western Suffolk, as inventory is thinner and fewer buyers are actively shopping — sellers motivated to close before spring often accept lower offers. Renovating through this window and listing in late spring or early summer (May-June) captures Long Island's strongest buyer pool, when the NYC overflow demand described earlier in this guide peaks alongside families timing a move around the school year.

The Hamptons run on an inverted calendar. Acquisition activity for luxury renovation projects picks up in fall and winter, when off-season pricing is softer and construction crews have more availability, with completed renovations timed to list ahead of the Memorial Day-to-Labor Day season when Hamptons buyer traffic is highest. Sab Tera structures Hamptons loan terms with this calendar in mind, rather than applying a generic 12-month fix-and-flip term that doesn't match the market's actual buying season.

Auction volume in Nassau and Suffolk district courts tends to spike in late summer and Q4, as banks and municipalities push distressed inventory before year-end. Investors who keep a standing relationship with a lender who can turn a same-day term sheet — rather than starting the lender search process at the moment an auction opportunity appears — are positioned to act on these seasonal spikes instead of missing them.

Financing Multiple Long Island Properties at Once

Investors running two or more simultaneous Nassau or Suffolk projects often ask whether Sab Tera can structure a portfolio loan rather than requiring a separate application for each address. The answer is yes: experienced Long Island investors can bundle multiple properties under a single underwriting relationship, with individual loan terms tracked per address but a shared point of contact managing draws, appraisals, and closings across the portfolio. This is particularly useful for investors alternating between a Nassau County flip and a Suffolk County DSCR hold, since it avoids re-underwriting the same borrower and entity documentation from scratch on every new deal. Repeat borrowers also tend to see faster term-sheet turnaround on subsequent loans once Sab Tera's underwriting team is already familiar with the investor's track record and typical renovation scope.

Hard Money vs. Bank Financing on Long Island

Other Long Island hard money lenders — including West Forest Capital, Equiquest Hard Money, and 5 Borough Success — also compete on speed and "flexible" credit. Sab Tera Lending's distinction is being headquartered on Long Island with a published, firm no minimum credit score policy, $0 upfront fees, and no prepayment penalty across every loan program.

Foreign National & LLC Investors on Long Island

Long Island's proximity to JFK and LaGuardia airports makes it an unusually active market for foreign national real estate investment, and Nassau and Suffolk both see steady interest from international buyers looking to acquire rental and flip properties without a U.S. credit history. Because Sab Tera Lending underwrites the property rather than the borrower's domestic credit file, foreign national investors qualify under the same no-minimum-credit-score policy as any other applicant, provided the deal is structured through a U.S.-based LLC or corporation and funds can be verified through standard AML documentation.

LLC ownership is now the default structure for the majority of Long Island investors regardless of citizenship, largely for liability protection and to separate investment activity from personal assets. Sab Tera funds Long Island hard money loans directly to LLCs, corporations, and trusts, and in most cases does not require a personal guaranty from the entity's principals — a meaningful difference from conventional bank financing, which almost always requires personal guaranty regardless of entity structure.

What Long Island Investors Say About Sab Tera Lending

Real feedback from Nassau and Suffolk County investors who have closed hard money loans with Sab Tera Lending:

Testimonials reflect individual borrower experiences and are not a guarantee of future results. Every deal is underwritten on its own merits.

Key Hard Money Lending Terms Every Long Island Investor Should Know

• ARV (After-Repair Value) — the appraised value of a property once renovation is complete; Sab Tera caps Long Island loans at 75% of ARV.
• LTV (Loan-to-Value) — the loan amount expressed as a percentage of the property's current value; Sab Tera funds up to 90% of purchase price.
• DSCR (Debt Service Coverage Ratio) — a rental loan qualification metric comparing monthly rent to the monthly mortgage payment, used instead of personal income.
• Points — upfront loan origination fees expressed as a percentage of the loan amount (1 point = 1% of the loan).
• Interest-Only (IO) — a loan structure where monthly payments cover interest only, common on short-term fix-and-flip and bridge loans.
• Draw Schedule — the process by which renovation or construction funds are released in stages as work is completed and inspected.
• Prepayment Penalty — a fee charged for paying off a loan early; Sab Tera charges none on any Long Island program.
• Certificate of Occupancy (CO) — a municipal document certifying a property is legally habitable; many hard money-eligible properties lack a current CO.

Hard Money Lending Beyond Long Island — Other States We Serve

Many Long Island investors also buy out of state for stronger cash flow or to diversify their portfolios. High Long Island entry prices push some investors to look toward markets with lower acquisition costs and higher rent-to-price ratios — Ohio, Indiana, and Tennessee are common destinations for Long Island-based DSCR buy-and-hold investors seeking better cash-on-cash returns than the Island's expensive entry points typically allow. Others follow the same NYC-overflow logic that drives Long Island demand into nearby Sun Belt growth markets like Florida, Georgia, and the Carolinas, where population growth is producing similar renovation and new-construction opportunities.

Sab Tera Lending offers the same fix & flip, DSCR rental, bridge, ground-up construction, multifamily, and commercial hard money programs — no income verification, no minimum credit score, close in 7 days — across 19 additional states, all serviced through the same underwriting relationship a Long Island investor already has in place:

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