Hard money lending

Hard money lending

Address: 55 E. 59th St., Sixth Floor
New York, NY 10022
Long Business Description:

Loan Programs:

Spec Revolving Lines:

The SPEC Revolver / 5 Year Line program is for professional builders wanting to better optimize pricing and terms. Just as with our Construction Loans, expect nothing less than impeccable service including a dedicated loan representative and the potential for same-day draws. Make your funding reliable, simple, and fast.  If you would be a first-time client, consider starting your Builder Finance Inc. relationship with a regular Construction Loan before progressing to this.


  • Rates as low as 6.99% fixed.
  • 2-3 points total for the entire 5-year term.

Maximum loan-to-cost:

  • 99%


  • “Skip” monthly payments.
  • Same day draws possible.
  • Projects up to $3.5+ million.

Construction Loans:

Interest rate:

  • 4.99 to 7.99% rate.
  • No monthly interest rate payments (14 months).

Maximum loan-to-cost:

  • 75% (65% new borrower).
  • 85% possible if land subordinate.


  • Same day draws possible.
  • Limited recourse available
  • And more…

Rental Loans:

    1 point. 4.25%-6.25% fixed rate.
5/2 ARM for investors wanting certainty and flexibility.
We fund and service Investment Property Loans

Loans to Acquire or Refinance an existing investment property:

PRICING: 5 Years = LOW Rates = 4.25%-6.25% investment property mortgage rates.

FLEXIBILITY: A 2-year extension option if need more time at the greater of Prime +1% and the rate during the initial term.

SERVICE: Unlike many lenders, we fund AND service our own investment property loans – we’re just an email or phone call away to help!


Single close, 5-year term.

The smart, easy way to build a rental property and then to hold it as a rental. One loan closing. Great terms. Great rates. Consistent service – we fund and hold our loans on the balance sheet. 



  • Loan size $100,000 – $650,000. Call for larger loans.
  • Loan-to-cost  75% – subject to qualifications.


  • Term: 5 years (1 year for construction).
  • Recourse: Full
  • Payment: Year 1: Interest only with interest reserve. Years 2-5: Interest only available.


  • Origination fee: 2%
  • Interest rate: 6.50%
  • Other: Third-party cost, $500 closing fee.


Business Website Address:
Business Phone Number: