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Brickline provides hard money financing for New York City real estate investors seeking capital for eligible investment property deals. This financing is designed for situations where property condition, timeline, or investment strategy require a flexible, short-term solution.
Investors often use hard money for acquisitions, significant property improvements, value-add projects, or to bridge transitional properties before a sale or long-term refinance.
New York City Financing
Hard money loans are a strategic financing option when an investment property or transaction in New York City doesn’t align with the strict criteria or timelines of conventional lending.
For investors, the suitability of hard money depends on the property’s current state, the capital’s intended use, and the planned exit strategy, whether it’s a quick sale, a refinance, or a longer-term hold.
Brickline evaluates each hard money financing request based on the property’s potential, the borrower’s profile, program guidelines, and the overall investment plan, helping to advance qualified deals.
Loan Programs
Different investment strategies may require different loan structures. Brickline offers financing across several common real estate investor scenarios.
Financing for eligible property purchases and renovation projects with a resale or refinance strategy.
LTC: 90% of purchase + 100% of Rehab
Longer-term rental financing where property cash flow plays a central role in qualification.
LTV: 90% of purchase + 100% of Rehab
Short-term financing for eligible acquisitions, refinances, and transitional investment properties.
LTV: 90% of purchase + 100% of Rehab
Financing for eligible ground-up investment projects built around the construction plan and project timeline.
LTV: 90% of purchase + 100% of Rehab
Common Uses
Use hard money to quickly purchase an eligible investment property in New York City that requires significant renovation or repositioning before it can be sold or refinanced.
Combine the purchase and rehab costs into one hard money loan for properties needing substantial improvements to increase their value and market appeal.
Utilize hard money to bridge the gap for properties that are not yet stabilized or ready for conventional financing, allowing time for necessary improvements or tenant placement.
Secure financing rapidly for auction purchases, off-market deals, or other situations in New York City where quick closing is critical to seize an investment opportunity.
New York City Deals Markets
The effectiveness of hard money financing in New York City depends less on broad market trends and more on the specific investment property, its current condition, the investor’s strategy, and the intended exit plan. Hard money is often ideal for deals requiring speed and flexibility.
For New York City investors, hard money is typically used for properties that are being acquired, renovated, or repositioned with a clear plan for resale or refinance into a longer-term loan. This short-term capital is designed to facilitate value creation.
Online Process
Start with the property and financing request, provide the required information as the file progresses, and keep a clearer view of what is needed at each stage.
deal is moving forward. The result is a process that feels cleaner, more transparent, and easier to move through from first quote to closing.
Share the property, financing request, and investment strategy.
Provide the information and documentation needed for review.
See outstanding steps and respond as the financing request progresses.
Get investor-focused support
How It Works
Provide the property, financing need, and investment plan.
Brickline reviews the request against the relevant program.
Review the proposed financing structure and next requirements.
Provide the documentation and information required to move the file forward.
Once approved and ready, complete the remaining steps toward closing and funding.
Learn how hard money loans work, where they may fit, what Brickline reviews, and what investors should consider before moving forward with a New York City investment.
A hard money loan in New York City is a short-term, asset-backed financing solution for real estate investors. It’s typically used for investment properties that require quick acquisition, significant renovation, or are in a transitional phase, where traditional bank financing may not be suitable.
Hard money loans are generally for non-owner occupied investment properties. This includes single-family rentals, multi-family properties, and commercial real estate that are being acquired, renovated, or repositioned for resale or long-term rental.
Yes, hard money loans are frequently structured to cover both the acquisition cost and the renovation budget for eligible investment properties. This allows investors to finance the entire project with one loan, streamlining the capital deployment for value-add strategies.
Brickline’s review for a hard money loan focuses on the strength of the investment property itself, the investor’s experience, the viability of the investment plan, and the clear exit strategy. The property’s potential value and the investor’s ability to execute the plan are key factors.
Hard money loans are short-term, so repayment typically comes from the sale of the renovated or stabilized property, or by refinancing into a longer-term loan, such as a DSCR rental loan, once the property is generating consistent income or has achieved its target value.
Advantages include faster closing times compared to traditional loans, more flexible underwriting based on the property’s value and investment potential, and the ability to finance properties that are not yet in a condition to qualify for conventional financing. This speed and flexibility are crucial in competitive markets like New York City.
Investors typically refinance a hard money loan once the investment property has been renovated, stabilized, and is either generating sufficient rental income or has reached its after-repair value. This transition allows for lower interest rates and longer repayment terms.
Why Brickline
Brickline focuses on business-purpose real estate financing rather than consumer homebuyer mortgages.
The property, financing structure, and investment strategy stay central to the process.
Digital-first process
Clear next steps
Investor Resources
Explore Brickline guides, calculators, and resources covering loan structures, deal metrics, qualification, and common investor financing questions.
deal moves forward.
Tell Brickline about the property, financing need, and investment plan.
Start online to explore the next step for your financing request.
