How does Sab Tera Lending compare to Lima One Capital, Kiavi, and RCN Capital?

Sab Tera Lending is a direct private lender with no institutional pipeline. Advantages: no credit minimum (vs Kiavi 660+, Lima One 600+); same-day commitment (vs 24-48 hours for competitors); zero upfront fees and no prepayment penalties on all programs; fix and flip from 9.5% IO, DSCR from 6.5%; LLC and foreign national eligible in all 20 states.

How do I apply for a hard money loan?

Call (516) 336-9293 or submit a free consultation request. We issue a same-day commitment letter upon approval and work toward a 7-day close. No upfront fees. No income docs. No credit minimum. LLCs and foreign nationals eligible in all 20 states.

All Loan Programs — 20 States

Hard Money Loan Programs for Real Estate Investors

Q: What hard money loan programs does Sab Tera Lending offer?

Sab Tera Lending offers six core loan programs in all 20 service states: Fix and Flip (from 9.5% IO, up to 90% LTV), DSCR Rental (from 6.5%, 30-year fixed), Bridge Loans (from 9.5% IO), Ground-Up Construction (from 10.0% IO, up to 90% LTC), Multifamily 5+ (bridge and permanent), and Commercial Hard Money. All programs require no income verification, have no credit score minimum, charge zero upfront fees, and carry no prepayment penalties.

Q: Can LLCs and foreign nationals get hard money loans?

Yes. All six loan programs are available to LLCs, corporations, and foreign nationals in all 20 service states. We have funded hundreds of LLC and foreign national transactions across our entire footprint.

Six core programs. All 20 states. Same-day commitment, no income verification, no credit minimum, zero upfront fees. No banks. No brokers. Direct private capital that moves as fast as you do.

Apply Now — Free Consultation 📞 (516) 336-9293

Same Day

Loan Commitment

7 Days

Avg Close Time

90%

Max LTV on Purchase

Income Docs Needed

Six Programs — 20 States

Choose Your Loan Program

Every program is available across all 20 states we serve — with the same direct-lender speed, same-day commitment, and zero upfront fees.

Fix & Flip Loans

The preferred hard money fix and flip loan for investors across all 20 states. Up to 90% of purchase price plus 100% of rehab costs. Close in 7 days. No income verification. No credit minimum. Compete with cash buyers on every deal. Available for single-family, 2–4 unit, and small multifamily properties across New York, New Jersey, Virginia, Ohio, Pennsylvania, Michigan, Tennessee, Indiana, Kentucky, Louisiana, Mississippi, Massachusetts, and all other service states.

📍 NY · NJ · CT · FL · TX · NC · SC · GA · AL · VA · KY · LA · MS · MA · MI · PA · TN · IN · OH

View Fix & Flip Program →

DSCR Rental Loans

Build your rental portfolio without W-2s, tax returns, or employment verification. Qualification based entirely on the property's rental income. 30-year fixed terms. Property can be vacant at closing. LLC and foreign national eligible. Ideal for self-employed investors, BRRRR strategists, and out-of-state buyers building portfolios across our 20-state footprint — especially active in Tennessee, Indiana, Ohio, Michigan, Pennsylvania, Kentucky, and Louisiana.

📍 NY · NJ · CT · FL · TX · NC · SC · GA · AL · VA · KY · LA · MS · MA · MI · PA · TN · IN · OH

View DSCR Rental Program →

Bridge Loans

Short-term bridge financing for acquisitions, refinances, value-add repositioning, and pre-stabilization plays across all 20 states. Ideal for investors who need to move fast — purchase a property before permanent financing is in place, or refinance out of an existing position. Same-day commitment letter. Close in 7 days. No income verification. No credit minimum.

📍 NY · NJ · CT · FL · TX · NC · SC · GA · AL · VA · KY · LA · MS · MA · MI · PA · TN · IN · OH

View Bridge Loan Program →

Ground-Up Construction Loans

Finance new residential and commercial construction from lot acquisition through certificate of occupancy. Up to 90% LTC with a milestone draw schedule. No income verification. No credit minimum. Ideal for builders, developers, and investor-builders across all 20 states — especially active in Virginia, Pennsylvania, New Jersey, Ohio, Tennessee, and Massachusetts.

📍 NY · NJ · CT · FL · TX · NC · SC · GA · AL · VA · KY · LA · MS · MA · MI · PA · TN · IN · OH

View Construction Loan Program →

Multifamily 5+ Unit Loans

From small 5-unit apartment buildings to large multifamily complexes — bridge and permanent financing faster than any bank. Value-add, vacant, and stabilized properties all welcome. No income verification. LLC and foreign national eligible. The go-to private lender for apartment building investors across New York, New Jersey, Pennsylvania, Virginia, Ohio, and all 20 service states.

📍 NY · NJ · CT · FL · TX · NC · SC · GA · AL · VA · KY · LA · MS · MA · MI · PA · TN · IN · OH

View Multifamily Program →

Commercial Hard Money Loans

Mixed-use, retail, office, industrial, self-storage, and hospitality. Asset-based underwriting — no income verification, no personal financial statements required on most transactions. Same-day commitment letter. Close in 14–21 days. The preferred commercial hard money lender for time-sensitive acquisitions, distressed assets, and value-add commercial plays across all 20 states.

📍 NY · NJ · CT · FL · TX · NC · SC · GA · AL · VA · KY · LA · MS · MA · MI · PA · TN · IN · OH

View Commercial RE Program →

Compare Programs

All Six Programs — Side by Side

Every program available in all 20 states with the same direct-lender speed and zero upfront fees.

Program	Rate From	Term	Max LTV/LTC	Close Time	Income Docs	Prepay
Fix & Flip	9.5% IO	12–24 mo	90% LTV ✓	7 Days ✓	None ✓	None ✓
DSCR Rental	6.5% Fixed	30 Years	80% LTV	14–21 Days	None ✓	None ✓
Bridge Loans	9.5% IO	6–24 mo	90% LTV ✓	7 Days ✓	None ✓	None ✓
Ground-Up Construction	10.0% IO	12–24 mo	90% LTC ✓	14–21 Days	None ✓	None ✓
Multifamily 5+	9.5% IO	12–36 mo	75% LTV	14–21 Days	None ✓	None ✓
Commercial RE	9.5% IO	12–36 mo	75% LTV	14–21 Days	None ✓	None ✓

Competitive Analysis — Q2 2026

Sab Tera Lending vs. Page-1 Competitors

How we compare to Lima One Capital, Kiavi, RCN Capital, Easy Street Capital, and Dominion Financial — across fix and flip, DSCR, bridge, and construction loan queries in all 20 service states.

Lender	Fix & Flip Rate	DSCR Rate	Max LTV	Min Credit	Close Time	Upfront Fees	Prepay
Sab Tera Lending ★	9.5% IO	6.5% Fixed	90% LTV	None	7 Days	$0	None
Lima One Capital	~10.5–12.5%	~7%+	90% (exp. only)	600–620	10–21 days	May apply	May apply
Kiavi	~10–13%	5.75–6%*	100% LTC / 80% ARV	660	7 biz days*	No app fee	Varies
RCN Capital	~10–13%	~7%+	85% LTV	600	10–14 days	Varies	Varies
Easy Street Capital	~10–12%	5.75%+*	93% LTC	680 (DSCR)	48 hrs–7 days*	No app fee	Varies
Dominion Financial	Competitive*	N/A	~80–85%	640+	10–14 days	Varies	Varies

*Advertised rates. Actual rates depend on borrower, property, and market. Competitor data sourced from public program pages Q2 2026. Sab Tera Lending rates subject to underwriting.

Available in All 20 States

Six Programs in Every State We Serve

Click any state to view local market data, deal examples, and state-specific hard money loan terms.

Core Markets

🗽New York→ 🏡Long Island→ 🏙️Nassau County→ 🏖️Suffolk County→ 🌏Queens, NY→ 🏛️Brooklyn, NY→ 🌿New Jersey→ ⚓Connecticut→ 🌴Florida→ 🌵Texas→ 🌲North Carolina→ 🌴South Carolina→ 🍑Georgia→ 🌾Alabama→

Expansion Markets — Now Open

🏛️Virginia→ 🐎Kentucky→ 🎷Louisiana→ 🌊Mississippi→ 🦞Massachusetts→ 🚗Michigan→ 🔔Pennsylvania→ 🎸Tennessee→ 🏁Indiana→ 🌻Ohio→

All six loan programs — Fix & Flip, DSCR Rental, Bridge, Ground-Up Construction, Multifamily 5+, and Commercial Hard Money — are available in every state listed above.

Search Terms We Rank For

Hard Money Loan Queries — All 20 States

fix and flip loans New York DSCR rental loans New Jersey bridge loans Florida hard money lender Texas ground up construction loans Virginia fix and flip loans Ohio DSCR loans Tennessee hard money lender Pennsylvania fix and flip loans Michigan rental loans Indiana bridge loans Kentucky hard money lender Massachusetts DSCR loans Louisiana fix and flip loans Mississippi no income verification hard money loan same day commitment letter lender close in 7 days hard money LLC hard money loans 20 states foreign national hard money loan BRRRR loan Ohio Indiana Michigan multifamily bridge loan New York construction loan no income verification commercial hard money Georgia Alabama no credit score hard money loan zero upfront fee hard money direct private lender no broker hard money lender Nashville TN fix and flip Columbus Ohio DSCR loans Detroit Michigan

Frequently Asked Questions

Hard Money Loan Programs — Your Questions Answered

Sab Tera Lending offers six core programs in all 20 states: Fix and Flip (from 9.5% IO, up to 90% LTV), DSCR Rental (from 6.5%, 30-year fixed), Bridge Loans (from 9.5% IO), Ground-Up Construction (from 10.0% IO, up to 90% LTC), Multifamily 5+ (bridge and permanent), and Commercial Hard Money. All programs require no income verification, have no credit minimum, charge zero upfront fees, and carry no prepayment penalties.

Fix and flip loans start at 9.5% interest-only. Up to 90% of purchase price plus 100% of rehab costs. No income verification. No credit minimum. Zero upfront fees. No prepayment penalty. Close in 7 days. Available in all 20 states: NY, NJ, CT, FL, TX, NC, SC, GA, AL, VA, KY, LA, MS, MA, MI, PA, TN, IN, OH.

DSCR rental loans start at 6.5% on a 30-year fixed term. Qualification is based entirely on the property's rental income — no personal income verification, no tax returns, no W-2s required. No credit minimum. No DSCR minimum. LLC and foreign national eligible. Available in all 20 states.

Fix and flip, bridge, and ground-up construction loans close in 7 days or fewer. DSCR rental and multifamily loans close in 14–21 days. We issue a same-day commitment letter upon approval — in all 20 service states.

No. Sab Tera Lending has no minimum credit score requirement on any loan program. Approval is based on property value, deal structure, and exit strategy. Compare to Kiavi (660+ required), Lima One Capital (600–620+ required), and Easy Street Capital (680+ for DSCR) — we have no minimum on any program across all 20 states.

All six loan programs are available in 20 states: New York, New Jersey, Connecticut, Florida, Texas, North Carolina, South Carolina, Georgia, Alabama, Virginia, Kentucky, Louisiana, Mississippi, Massachusetts, Michigan, Pennsylvania, Tennessee, Indiana, and Ohio.

Yes. All six Sab Tera Lending loan programs are available to LLCs, corporations, and foreign nationals in all 20 service states. We have funded hundreds of LLC and foreign national transactions across our entire footprint including all 10 new expansion states.

No. Sab Tera Lending charges zero prepayment penalties on all six loan programs across all 20 states. Pay only outstanding principal and accrued interest if you sell or refinance early — nothing more.

BRRRR (Buy, Renovate, Rent, Refinance, Repeat) is supported by two programs: our Fix and Flip loan (up to 90% LTV, from 9.5% IO) for acquisition and renovation, then our DSCR Rental loan (6.5% 30-year fixed, no income verification) as the permanent takeout once the property is stabilized and rented. Especially powerful in Ohio, Indiana, Michigan, Pennsylvania, Kentucky, Tennessee, Louisiana, and Mississippi where entry prices are low and rental yields are high.

Sab Tera Lending is a direct private lender. Key advantages: no credit minimum (vs Kiavi 660+, Lima One 600+, RCN Capital 600+); same-day commitment letter (vs 24–48 hours for competitors); zero upfront fees and no prepayment penalties on all programs; fix and flip from 9.5% IO, DSCR rental from 6.5%; LLC and foreign national eligible in all 20 states.

Up to 90% of the purchase price plus up to 100% of rehab costs on qualifying transactions. Available in all 20 states including Virginia, Ohio, Pennsylvania, Michigan, Tennessee, Indiana, Kentucky, Louisiana, Massachusetts, and Mississippi.

Call (516) 336-9293 or submit a free consultation request via Apply Now. We issue a same-day commitment letter upon approval and work toward closing in 7 days. No upfront fees. No income docs. No credit minimum. LLCs and foreign nationals eligible in all 20 states.

Ready to Fund Your Next Deal?

Pick your program. Apply in minutes. Same-day commitment letter. Close in 7 days. Zero upfront fees.

Apply Now — It's Free 📞 (516) 336-9293