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PRIVATE LENDER FOR REAL ESTATE INVESTORS

Direct real estate lending.
Fast decisions. Flexible capital.

Hard money, bridge, and DSCR loans across New York, New Jersey, Connecticut, Massachusetts, New Hampshire, Rhode Island, Georgia, and Florida. Funded in house.
Call 212-537-5833
Speak directly with a decision maker.
Request Loan Terms
INVESTMENT PROPERTIES ONLY
Your information is kept confidential.
As few as 7 days

As few as 7 days

TO CLOSE

Asset Based

Asset based

NO INCOME VERIFICATION

Loan Range

$250,000 to $5,000,000

LOAN RANGE

Five Stars

5.0 Google rating

FROM REAL ESTATE INVESTORS

OUR COMMITMENTS

What you can hold us to.

Most lenders describe themselves with adjectives. We would rather make four promises you can test on your next deal.

Minsok Oh

PRINCIPAL, WEST FOREST CAPITAL

01

Written terms by the next business day.

Send us the property, the numbers and your plan. You will have a term sheet, or a clear no, by the next business day.

02

The terms we issue are the terms we close on.

We make lending decisions directly and work to honor the terms we quote. No unexpected fees or last minute changes to the agreed terms.

03

You deal with the people who fund the loan.

There is no committee and no layer between you and a decision. The person who reviews your deal is the person who approves it, and that person answers the phone.

04

We underwrite like owners.

Our principals own and operate investment property in New York and New Jersey. Rent regulation, construction draws and tenant law are part of our own business, so we underwrite the building and the plan, not a checklist.

Commitments apply to complete submissions on investment property in the states where we lend.

Recent transactions

We lend on all property types and situations

Get loan terms
  • Luxury single family home in Greenwich, CT

    Construction Loan

    $3,650,000

    Greenwich, CT · Luxury Single Family

    West Forest Capital provided a $3.65 million construction loan for the completion of a nearly 10,000 square foot luxury residence in Greenwich, Connecticut. The project was approximately 80% complete when we funded the loan. Our financing refinanced the existing construction debt and provided additional capital to complete the residence, pool, pool house, landscaping and other improvements. The anticipated completed value of the property was approximately $7 million to $8 million.

  • Luxury single family home in Quogue, NY

    Construction Bridge Loan

    $3,200,000

    Quogue, NY · Luxury Single Family

    West Forest Capital provided a $3.2 million bridge loan secured by a partially completed luxury residence in Quogue, New York. Significant construction had already been completed, including the foundation, framing, roofing, exterior stonework, septic system, interior work and gunite pool. The financing was used to retire an existing loan approaching maturity and provide the borrower with additional time to arrange construction financing to complete the project. The property was appraised at $6.6 million as is and $8.95 million upon completion.

  • Single family home in Longwood, FL

    Fix and Flip Loan

    $590,000

    Longwood, FL · Single Family

    West Forest Capital provided a $590,000 Florida hard money loan for the acquisition and renovation of a single family investment property in the Orlando area. The property was purchased for $700,000, and the financing included a $100,000 renovation budget. Following completion of the improvements, the borrower anticipated selling the property for more than $1.1 million.

  • Four family property in Maynard, MA

    Acquisition and Rehab Loan

    $400,000

    Maynard, MA · Four Family

    West Forest Capital provided a $400,000 Massachusetts hard money loan for the acquisition and renovation of a four family property in the Boston area. The borrower purchased the property from a wholesaler for $385,000. Our financing included $300,000 at closing and an additional $100,000 for renovations, including a new septic system and other property improvements. The borrower planned to refinance with a traditional lender after completing the work and stabilizing the property.

  • Six unit multifamily property in New Haven, CT

    Multifamily Bridge Loan

    $315,000

    New Haven, CT · Six Unit Multifamily

    West Forest Capital provided a $315,000 Connecticut hard money loan for the acquisition of a six unit multifamily property in New Haven. The property was purchased for $450,000, with five of the six apartments occupied at closing. The borrower planned to lease the remaining unit, establish stabilized rental income and refinance the property with a traditional lender.

  • Mixed use property in North Plainfield, NJ

    Mixed Use Acquisition Loan

    $292,500

    North Plainfield, NJ · Mixed Use

    West Forest Capital provided a $292,500 New Jersey hard money loan for the acquisition of a mixed use property consisting of four apartments above a convenience store. The property was purchased for $390,000. Following light renovations and stabilization, the borrower planned to refinance the property with a traditional lender.

  • Single family home in Paterson, NJ

    Fix and Flip Loan

    $225,000

    Paterson, NJ · Single Family

    West Forest Capital provided a $225,000 New Jersey hard money loan for the acquisition of a single family property purchased at auction for $300,000. The borrower planned to complete a moderate renovation and then market the property for sale, with an anticipated value of at least $400,000.

  • Two family property in East Orange, NJ

    Fix and Flip Loan

    $190,000

    East Orange, NJ · Two Family

    West Forest Capital provided a $190,000 New Jersey fix and flip loan for the acquisition and renovation of a two family property in East Orange. The property was purchased for $200,000, and the loan included a $40,000 renovation budget. The estimated after repair value was more than $330,000, with the borrower expecting to complete the project and sell the property within approximately six months.

Loan programs

Investment property loans

Whether you’re buying, refinancing, or cashing out equity, we structure loans around your investment strategy, not a rigid checklist. Most borrowers get a same-day pre-approval and funding in as few as 7 days.

Hard money loan

Fast, asset-based financing for real estate investments, with same-day approvals and funding in days, not months.

GET LOAN TERMS
TermDetail
Loan Size$250,000 to $5,000,000
LTCUp to 85% of purchase price
Rehab FundingUp to 100%
LTVMax loan to ARV: 65%
TermUp to 18 months
LienFirst lien; second as additional collateral only
Interest Rate10%–12%
Points1% to 3% of the loan amount

DSCR loan

Get fast, asset-based financing for real estate investments, with same-day approvals and funding in days, not months.

GET LOAN TERMS
TermDetail
Loan SizeUp to $3,000,000
TermUp to 30 Years
LienFirst lien; second as additional collateral only
UnderwritingProperty cash flow, minimum DSCR around 1.1x

Bridge loan

Fast, asset-based financing for real estate investments, with same-day approvals and funding in days, not months.

GET LOAN TERMS
TermDetail
Loan Size$250,000 to $5,000,000
LTCUp to 85% of purchase price
Rehab FundingUp to 100%
LTVMax loan to ARV: 65%
TermUp to 18 months
LienFirst lien; second as additional collateral only
Interest Rate10%–12%
Points1% to 3% of the loan amount

Why West Forest

Your reliable private money & hard money lender
in New Jersey, New York, Connecticut, Massachusetts, New Hampshire, Rhode Island, Georgia and Florida

one

We give you an advantage

Today's real estate market is highly competitive for investors. To be in the strongest position to compete, expect to pay with cash and have a nimble timeline. Because we are a local lender, we are very knowledgeable about the market and can fund in as few as 7 days.

two

We help you maximize value

Whether you are looking to fix and flip, or hold long-term as a rental, value should always be maximized. We fund up to 100% of all rehab costs, but our service doesn't stop there: we can help you understand market trends, consult on deal metrics, and recommend contractors.

three

We are flexible

Our deep knowledge of the local market allows for creative solutions. Whether you are looking for the best rate, fewest points, or lowest out-of-pocket requirements, we will work with your needs. And because we know the ins and outs of the local counties and towns, we will help you to achieve success with your investment.

House

TESTIMONIALS

Trusted by real estate investors

Allan Szlafrok
Allan Szlafrok
☆☆☆☆☆
Working with West Forest Capital was the best choice I could have made for my real estate funding needs. I was under a tight deadline on an expiring short sale in Newark, NJ and they got it done. I won't hesitate to use them again. Thanks for the great service and professionalism.
Pattrick Julbe
Pattrick Julbe
☆☆☆☆☆
I discovered West Forest Capital Through my realtor when my original lender was not being responsive to my request & concerns. The team at West Forest Capital responded within minutes and got my loan done on schedule. I just funded the first part of my rehab with them. Just wanted to say thanks for being so easy to work with!
Alejandro Guzman
Alejandro Guzman
☆☆☆☆☆
The West Forest Capital team was a pleasure to deal with. I spoke directly to the decision makers which greatly cut down the back and forth (they are the fastest lender I know and besides being a real estate investor I’m also a realtor). They were flexible on terms and really seemed to know the market. If you need an hard money loan, use them - they will deliver.
Mike Preshman
Mike Preshman
☆☆☆☆☆
I would highly recommend West Forest Capital as a lender. Unlike other lenders they really do what they promise. I was operating under a tight time frame, which they not only met but exceeded while keeping me in the loop on all the status updates. I'm also very pleased with the rate and the LTV I was offered. Will definitely use them next time!
Jocsan Garcia
☆☆☆☆☆
West Forest Capital is great if you need a hard money loan or a bridge loan. They are fast and flexible. They have a very simple approval process (not multi-layer) so rehab funds get sent really quickly. I Strongly recommend them. Very easy to work with and straight to the point. No run arounds and get the job done on time. They got me a loan in a week after I wasted 2 months with another hard money lender.
David Cristescu
David Cristescu
☆☆☆☆☆
I am not a classic real estate investor, but I do own a business with high capital needs. West Forest Capital is able to provide us funds based on our real estate holdings which is much faster and cheaper than going to another lender. The team is very friendly and knows the business inside out, so we always get the best available terms.
Aaron Sellin
Aaron Sellin
☆☆☆☆☆
West Forest was phenomenal from start to finish!! Will never use another loan officer again.
Leo Kishko
☆☆☆☆☆
Often having to come up with creative financing for my real estate projects, I'm glad that I know the team at West Forest Capital. They see value where others don't, and are very flexible with collateral. Great resource for hard money loans
Ielman
☆☆☆☆☆
Before undertaking a real estate project, I like to consult with West Forest Capital. They are not only my go to lender, but also a great sounding board for advice. They have A LOT of connections in the market (I think at least one of the partners is a developer himself), and are always happy to share knowledge. A rare find in the industry.
Vladimir Isakov
☆☆☆☆☆
I had a great experience with them. The service from West Forest Capital was probably one of the best I've come across in the industry and I've worked with dozens of hard money lenders over the decades that I've been in real estate, as well as other ventures. Their communication was excellent and timely. After contacting them you get a likely approval right there on the phone, because they know the right questions to ask to make their best assessment as quickly as possible. They understand that you have a business of your own to run and time is money. I will continue to work with them on two projects I have coming up, after which I will be happily retiring (which I would have done long ago if I wasn't such a workaholic).

Situations we fund

The deals banks pass on.

Most of what we fund falls outside bank underwriting because of the property, the timeline or the structure. If your deal looks like one of these, we have almost certainly closed one like it.
Foreclosure bailouts

Foreclosure bailouts

Your lender has filed, or is about to. We pay off the foreclosing lender, stop the clock, and give you time to sell or refinance on your own terms instead of theirs.

Maturing loans

Maturing loans

A loan is coming due and the lender will not extend. We refinance before the maturity date so a deadline does not turn into a default.

Stalled construction

Stalled construction

A spec home or renovation stopped mid build and the original lender will not fund completion. We finance the remaining work and carry the project through sale or refinance.

Auctions and hard closing dates

Auctions and hard closing dates

A foreclosure auction, a 1031 exchange deadline or a contract with a fixed closing date. When the date cannot move and the bank cannot get there, we close in as few as 7 days.

Rent stabilized and mixed use buildings

Rent stabilized and mixed use buildings

Regulated rents and ground floor retail make banks nervous. We lend on walkups and mixed use buildings across New York and New Jersey based on the building and your plan for it.

Imperfect credit

Imperfect credit

A low score, a past foreclosure or an old bankruptcy. There is no minimum credit score here. We underwrite the property, your equity and your exit, and credit history is one factor, not the deciding one.

Get loan terms
Not sure your deal fits? Send it anyway. You will have an answer by the next business day.

Where we lend

Markets served

West Forest Capital is a direct private lender offering capital for acquisition, renovation, and refinance of real estate. We operate in:

New Jersey
New York
Connecticut
Massachusetts
New Hampshire
Rhode Island
Georgia
Florida
States served
0 States
Years lending
0 + Years
Funding timeline
0 Days
map
NY
NJ
MA
NH
CT
RI
FL
GA

Direct lender

Have a deal you want us to review?

A direct lender you can rely on.

Get loan terms
Call 212-537-5833

FAQS

Frequently asked questions

Have a question that is not answered here? Call 212-537-5833 and speak with a decision maker.

At West Forest Capital, a hard money loan is a short-term loan backed by real estate. Unlike traditional loans, we don’t base approval on credit or income. Instead, we look at the property’s value and the strength of the deal. Real estate investors use these loans when speed and flexibility matter more than paperwork.

Hard money lenders focus on asset-based lending, not long approval processes. Traditional banks often require extensive documentation and delay closings, while we can close in just a few days. That speed gives real estate investors a clear advantage in competitive markets.

We work primarily with real estate investors who need fast capital to buy or rehab an investment property. These are often deals that traditional financing can’t support, whether due to the property condition, borrower profile, or time constraints.

We regularly close private money loans in as few as 7 days, depending on the documentation. Traditional lenders might take months, but we understand that real estate moves quickly, and we do too.

Our hard money loan rates range from 10% to 12% with loan terms of up to 18 months. We lend up to 85% of the purchase price and 100% of rehab costs, with a maximum loan 65% of the after-repair value. Most hard money lenders require a down payment, and we do too, but it’s based on the deal, not a strict formula.

Hard money lending involves higher interest rates than traditional mortgages, but fewer restrictions. We don’t charge hidden or excessive upfront fees like payday lenders or some private lenders. Whether you’re refinancing, purchasing through an LLC, or scaling your real estate investment strategy, we offer direct, fast, and transparent lending money solutions.

Hard money loans work by using the property’s current or projected value (not your income or credit) as the primary factor for approval. At West Forest Capital, we make lending decisions based on the deal itself, which makes hard money financing a strong option for time-sensitive or unconventional real estate opportunities.

We stand out by combining fast closings, fair terms, and a clear process. The best hard money lenders don’t just offer speed—they understand real estate and respect your time. Unlike others, we don’t let rigid criteria or impersonal finance systems slow you down. Every deal is reviewed carefully, and our team moves fast. Hard money lenders set their own guidelines, so it matters who you work with.

We provide hard money lending across the following states:

We lend on all property types and in a wide range of situations, including acquisitions, refinances, bridge loans, value-add projects, and time-sensitive opportunities. Visit your state page to learn more about how we structure fast, asset-based financing in your market.

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