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Hard Money Lenders Fort Worth, TX

Fort Worth Hard Money Loans for Fix and Flips, DSCR Rentals, and Ground Up Construction

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Fort Worth, TX

Fix & Flip Loan

Sample Deal

Loan Amount $272,330

86% of Purchase + 100% of Rehab

Rate: 10.75%
12 Months

Points: 2.0%
10 Days to Close

Featured In

Why We’re The Best Hard Money Lender In Fort Worth

We pride ourselves on being one of the best investment property lenders in Fort Worth for Fix and Flips, Ground-Up Construction, Rentals, and small Multifamily investments.

Competitive Terms

We provide competitive Terms on Fort Worth investment property loans. Fort Worth Fix and Flip Loan rates range from 10.5%-11.5% and Origination Fee from 1.5%. DSCR Loan Rates range from 6.0% to 7.99% and Origination Fee from 0%.
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See our Loan Products Section for a detailed pricing breakdown of each Fort Worth loan product.

Simple Online Application

Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.

Start your simple online application today. Learn More

Quick Turn Around

Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour.

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Reliable Financing

Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.

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Long Island Hard Money Loan Products

We provide fast and fairly priced Fix & Flip, DSCR and Construction Loans to local investors in the Nassau County.

Long Island Fix and Flip Loan

Funding For Rehab + Purchase

$50,000 up to $3,000,000

Interest Rate 10.5%-11.5%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Beginners Allowed

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Get Approved Online

Long Island DSCR Rental Loan

30 Year DSCR Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.0%-7.99%

Origination Fee From 0%

Up to 80% of LTV

Airbnb Loans and Long-term Rentals

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Long Island Ground Up Construction

For New Builds and Construction Completion

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 1.5%

Up to 75% of Purchase and 100% of Construction

Up to 90% LTC

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You’re Local In Long Island, You Want A Lender Who Knows The Long Island Market

Understanding the Long Island market

Long Island occupies a unique position in the New York real estate investment market, offering suburban housing stock within commuting distance of New York City with significantly lower acquisition costs than the five boroughs. Nassau County and western Suffolk County attract a consistent base of buyers, primarily families relocating out of the city. Investors find fix-and-flip opportunities in older Cape Cod and colonial homes across communities like Hempstead, Uniondale, and Baldwin, where renovation yields strong resale pricing. For new construction, areas in eastern Nassau and central Suffolk continue to absorb new single-family inventory as the population migrates east.

As a trusted lender, Ridge Street Capital is dedicated to providing flexible financing solutions to help real estate investors succeed in New York's dynamic market.

Experience Boost Program for local real estate investors

If you have local fix and flip or ground-up construction experience in Nassau County within the last 3 years, we’ll increase your leverage on our hard money loans for fix and flips.

Long Island NY Experience Boost Program Summary

The purpose of the local experience boost program is to give investors with local experience and good credit a 5% increase in leverage:

If you have 1 Experience In Nassau County with a successful exit, we may increase your leverage to 85% of the purchase + 100% of the rehab.
If you have 3 Experiences with 1 in Nassau County, we may increase your leverage to 90% of purchase + 100% of Rehab.
Any investors with 5+ experiences in the last 3 Years and 680+ credit, automatically qualify for 90% of Purchase + 100% of rehab.

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Long Island Hard Money Loan process

Our lending process for Long Island investment properties is simple and quick. Ridge Street closes loans in as little as 7 business days.

Apply Or Get Pre-Approved Online

~ 2mins

Fill out a 2 Min Quick App with info about your Long Island based project. We need some preliminary information so that we can accurately evaluate your deal.

If you’re looking to be pre-approved so that you can find your next deal or you’d like to get more info from on of our team members, select an option below.

Request A Term Sheet | Get Pre-Approved | Schedule A Call

Receive Your Term Sheet

~ 2mins

Once we have your completed application for your property in Long Island, we’ll email you the term sheet and give you a call to provide confirmation.

Hard Money Loan Process Step 3 Container

Submit Docs

~ 1-3 days

Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin underwriting the loan. We have a low document program with no income statement documentation.

Appraisal or BPO

~ 2-7 days

Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days.

Hard Money Loan Process Step 5 Container

Closing

~ 1-2 days

Once we have the completed document package, we'll schedule your closing within 1-2 business days.

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Featured Long Island, NY Hard Money Loan

Location

Loan Type

Loan Amount

LTV %

Rate

Points

Long Island Deal Summary

Ridge Street Capital financed a fix and flip in Nassau County for an experienced investor targeting a 1949 built home with strong resale comps in a desirable school district. The loan covered 84% of the purchase price and 100% of the renovation costs, structured at 11.15% interest-only for 12 months with 2.25% origination points. The borrower completed a full renovation, including a kitchen and bathroom overhaul, refinished hardwood floors, and updated the exterior. The property sold to a relocating New York City family above the projected ARV, reflecting sustained buyer demand from city residents seeking renovated suburban housing.

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Hard Money Loans Frequently Asked Questions

How do I qualify for a hard money loan in Long Island?

To qualify for a hard money loan in Long Island with Ridge Street you need:

A Credit Score of 660+
A profitable deal with at least a 10% ROI
An LLC or a Corporation Registered In NY

What types of properties can I finance with a hard money loan in Long Island?

Ridge Street finances the following property types:

Residential 1-4 Units
Multifamily 2-4 Units

What are the interest rates and terms for hard money loans in Long Island, NY?

Depending on the sponsors experience and credit profile, rates range from 10.5%-11.5%. Ridge Street’s median rate for a hard money loan on a fix and flip in Long Island is 10.75% interest only with no pre-payment penalty.

How fast can I get a hard money loan in Long Island?

Ridge Street closes hard money loans in as little as 7 business days.

Are there any state-specific regulations for getting a hard money loan in Long Island?

Yes. While Long Island does not have unique municipal laws for hard money loans, transactions in Nassau and Suffolk counties must comply with strict New York State usury and licensing laws.

Under New York General Obligations Law § 5-501, the state enforces a civil usury cap of 16% interest per annum on personal loans under $250,000, and a strict criminal usury cap of 25% under Penal Law §§ 190.40 for loans up to $2.5 million. Because violating these caps can completely void the loan, hard money lenders on Long Island typically protect themselves by strictly lending to corporate entities (like an LLC) for commercial or business-purpose real estate investments, which removes the civil usury defense. Furthermore, if a hard money loan is accidentally structured as a consumer-purpose loan or involves an owner-occupied 1-to-4 family residential property, the lender must be fully licensed by the New York State Department of Financial Services (DFS).

Can I use a hard money loan to finance a fix and flip in Long Island?

Absolutely. This is the main use of a hard money loan in Long Island.

What is the loan-to-value (LTV) ratio for a hard money loan in Long Island?

There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.

Can I use a hard money loan to finance a rental property in Long Island?

You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan (This is called the BRRRR Strategy). If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.

Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

Active Deal

I have an active deal and would like a Term Sheet.

Term Sheet

Pre-Approval

I’d like to to get pre-approved so I can find my next deal.

Pre-Approval

Schedule A Call

I’d like to schedule a call.

Schedule Call

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