Private Hard Money Loans Across 10 States
Sab Tera Lending is the preferred direct private lender for real estate investors from New York to Alabama. We know every market we serve — and we close faster than any bank in all of them. Same-day commitment. No income verification. Up to 90% LTV.
Select Your Market — We Lend There
Whether you invest in New York City, Long Island, New Jersey, Connecticut, Florida, Texas, North Carolina, South Carolina, Georgia, or Alabama — we have the speed, local knowledge, and capital to fund your deal.
New York
$745K median · $87K avg flip profit
All 5 NYC boroughs, Long Island (Nassau & Suffolk), Westchester, and statewide. The most active private lender in the New York metro.
📍 NYC · Long Island · Westchester · Buffalo
View New York →Long Island, NY
$680K median · $92K avg flip profit
We are headquartered on Long Island — your local private lender for Nassau and Suffolk County. The highest-profit flip market in the New York region.
📍 Nassau County · Suffolk County · Hamptons
View Long Island →Nassau County, NY
$595K median · $87K avg flip profit
Dedicated Nassau County hard money and private money lender. Freeport, Hempstead, Valley Stream, Garden City, Mineola — same-day commitment, close in 7 days.
📍 Freeport · Hempstead · Garden City · Mineola
View Nassau County →Suffolk County, NY
$680K median · Hamptons up to $5M+
Suffolk County hard money and private money lender — from Brentwood high-volume flips to Hamptons luxury renovations. Every price point, same fast close.
📍 Brentwood · Bay Shore · Huntington · The Hamptons
View Suffolk County →Queens, NY
$680K median · $250K+ avg flip profit
Queens NYC hard money and private money lender. From Astoria two-family renovations to Flushing commercial — same-day commitment, close in 7 days. No income verification.
📍 Astoria · Jackson Heights · Flushing · Jamaica
View Queens →Brooklyn, NY
$950K median · Brownstone loans up to $5M+
Brooklyn NYC hard money and private money lender — from East New York high-ROI flips to Park Slope brownstone renovations. Same-day term sheet, 7-day close.
📍 Crown Heights · Bushwick · Bed-Stuy · Bay Ridge
View Brooklyn →New Jersey
$551K median · +7.4% appreciation
All 21 NJ counties. Especially active in Bergen, Essex, Middlesex, Monmouth, and Hudson — the strongest investor markets in New Jersey.
📍 Newark · Jersey City · Bergen · Essex · Middlesex
View New Jersey →Connecticut
$415K median · +11.3% in 2025
CT saw 11%+ appreciation in 2025. Statewide coverage with heavy focus on Fairfield County — one of the most profitable flip markets in the Northeast.
📍 Fairfield · Hartford · New Haven · Stamford
View Connecticut →Florida
$420K median · 1.2M new residents (2024)
One of the hottest investor markets in the US. Statewide coverage — from Miami to Jacksonville, and everywhere in between.
📍 Miami · Orlando · Tampa · Jacksonville · Sarasota
View Florida →Texas
$310K median · 562K new residents (2024)
#1 population-growth state. Houston, Dallas-Fort Worth, San Antonio, and Austin — all major metro markets served.
📍 Houston · Dallas · San Antonio · Austin · Fort Worth
View Texas →North Carolina
$336K median · +6.2% YoY
Charlotte and Raleigh-Durham rank top 10 fastest-growing US metros. Strong fix and flip and DSCR rental demand across the state.
📍 Charlotte · Raleigh · Durham · Greensboro · Asheville
View North Carolina →South Carolina
$295K median · +7.4% YoY
Charleston, Greenville, and Myrtle Beach coastal STR markets. Strong short-term rental DSCR loan opportunities statewide.
📍 Charleston · Columbia · Greenville · Myrtle Beach
View South Carolina →Georgia
$340K median · $61K avg flip profit
Atlanta is the #3 fix-and-flip market in the Southeast. 100K+ new residents annually. Savannah offers a premium coastal market.
📍 Atlanta · Savannah · Augusta · Marietta · Alpharetta
View Georgia →Alabama
$240K median · 8–12% rental yields
Lowest entry prices in our footprint. Huntsville's aerospace boom driving exceptional appreciation and strong rental demand.
📍 Birmingham · Huntsville · Mobile · Montgomery · Tuscaloosa
View Alabama →Why These Markets? The Numbers Speak
Ready to Fund a Deal in Your Market?
Same-day term sheet. Close in 7 days. The preferred lender from New York to Alabama.