Hard Money Loan Programs for Real Estate Investors
Sab Tera Lending is the direct private lender that serious investors choose first. Four core loan programs — all with same-day commitment, competitive rates, and the fastest closings in the industry. No banks. No brokers. No delays.
The Preferred Lender for NY, NJ, CT & FL Investors
We built our loan programs around what real estate investors actually need: speed, certainty, and a lender who understands deals — not just paperwork.
Fix & Flip Loans
The #1 choice for house flippers across the NYC metro. Up to 90% of purchase price + 100% of rehab costs. Close in 7 days. No income verification. Min FICO 660. The fastest fix and flip lender in NY, NJ, CT & FL.
Rental / DSCR Loans
Build your rental portfolio without W-2s or tax returns. DSCR-based qualification on 1–4 unit investment properties. 30-year fixed terms. Property can be vacant at closing. The preferred long-term rental lender for self-employed investors.
Multifamily 5+ Unit Loans
From small apartment buildings to large multifamily complexes — we provide bridge and term financing faster than any bank. Value-add, vacant, and stabilized properties all welcome. The go-to lender for apartment building investors in the NYC metro.
Commercial Real Estate Loans
Mixed-use, retail, office, industrial, self-storage, and hospitality. We provide the speed that commercial investors need — same-day commitment, close in 14–21 days. Asset-based underwriting. No income verification.
All Loan Programs — Side by Side
| Program | Rate | Term | Max LTV | Close Time | Income Docs |
|---|---|---|---|---|---|
| Fix & Flip | From 9.5% | 12 months | Up to 90% | 7 days ✓ | Not Required ✓ |
| Rental / DSCR | From 6.5% | 30 years | Up to 80% | 14–21 days | Not Required ✓ |
| Multifamily 5+ | From 9.5% | 12–36 months | Up to 75% | 14–21 days | Not Required ✓ |
| Commercial RE | From 9.5% | 12–36 months | Up to 75% | 14–21 days | Not Required ✓ |
Ready to Fund Your Next Deal?
Pick your program. Apply in minutes. Get a term sheet today. The preferred lender for investors who don't wait.