Hard Money Lender in Brentwood, NY
Rates Starting at 10%
West Forest Capital is your hard money lender in Brentwood, NY, offering up to $3 million in fast funding for real estate projects. With rapid approvals and dependable service, we ensure you can secure deals quickly in Brentwood’s competitive property market.
- All loans are funded directly by us, with no brokers.
- Pre-approvals are issued the same day you apply.
- We close deals in 3 to 5 business days, with 24-hour funding for urgent deals.
- We can fund up to $5 million if necessary.
The Trust We've Earned
Property Types
- Multi-family
- Single-family Investment Properties
- Condominiums
- Apartments
- Co-ops
- Retail
- Small Office Buildings
- Industrial & Warehouse
- Duplex
- Triplex
- Quadplex
- Mixed-Use
Lending Parameters
| Loan Size | $100,000 to $5,000,000 |
| LTC | Up to 80% of purchase price |
| Rehab Funding | 100% |
| LTV | Up to 70% of the ARV |
| Term | Standard is 12 months. 24-36 months is available |
| Lien | First lien; second lien as additional collateral only |
| Interest Rate | 10%–12.5% |
| Points | 1.5–2% of the loan amount |
Areas Covered
West Forest Capital lends in the following areas in Brentwood, NY:
- Brentwood
- Bay Shore
- Central Islip
- Islip Terrace
- West Islip
- Hauppauge
- Edgewood
Hard Money Loans in Ithaca - Areas We Serve
Why Use a Hard Money Loan
- If you need funding fast.
Time is often the deciding factor in competitive deals. Traditional lenders can’t match the speed of West Forest Capital. With same-day loan approvals and the ability to fund in as little as 3 to 5 days or even 24 hours, we help you close deals quickly without the delays that come with banks. - If the property isn’t stabilized.
Not every real estate investment is straightforward. If you’re dealing with a vacant property, one that needs substantial repairs, or a property that’s missing vital documentation, most lenders will reject your application. At West Forest Capital, we thrive on financing these types of complex deals. We specialize in providing funding for properties that traditional banks would consider too risky, helping you secure your investment even in challenging circumstances. - If you have poor credit.
We know that credit scores don’t always tell the full story. At West Forest Capital, we look beyond your FICO score to evaluate the potential of your property. If you’ve had credit issues in the past but your investment opportunity is solid, we’re willing to work with you. We prioritize the value of the property and the potential return on investment rather than focusing on your credit history alone. - If you don’t want to take a loan in your personal name.
Using an LLC or corporation is a common choice for real estate investors who want to limit liability. West Forest Capital provides loans for business entities, offering greater flexibility compared to banks that insist on personal guarantees.
Why Choose A Brentwood, NY Hard Money Lender
West Forest Capital proudly serves as a hard money lender in Brentwood, NY, covering all of Suffolk County and the eastern parts of Long Island. We are deeply familiar with the Brentwood market, from rental property areas to growing investment sectors. Whether you’re involved in a multifamily conversion or a single-family rehab, we know exactly what the market demands and can provide fast funding. We’re local, responsive, and ready to move quickly on your project.
West Forest Capital extends its funding solutions across Long Island, from Nassau County’s suburbs to Montauk’s seasonal real estate. We bring experience, capital, and speed to fund deals efficiently wherever your investment opportunity may be.
Financing your Brentwood, NY Investment Property
Brentwood, NY, is a rapidly growing area with a strong demand for real estate, from family homes to commercial properties. With its central location and accessibility to Long Island’s major highways, Brentwood is becoming a hot spot for investment. The area has experienced substantial price appreciation post-COVID, with more buyers seeking space away from the city.
At West Forest Capital, we understand the importance of quick access to funding. We avoid the traditional delays and red tape of conventional lenders by providing fast decisions. When you call us, you’ll often have an answer on the same day. Call 212‑537‑5833 to speak directly with our decision-makers and get your investment funded quickly.
Asset-backed Lender Focused on Customized Solutions
The team at West Forest Capital brings extensive knowledge of the Brentwood, NY property market, enabling us to offer flexible and tailored hard money loan options to investors across the area. Instead of relying on rigid underwriting checklists, we evaluate properties based on their current and projected future value. This approach has allowed us to finance over 100% of the acquisition and rehab costs for many properties in Brentwood, NY, ensuring investors have the funds needed to complete their projects.
We are also proud to offer an industry-leading 3-year loan term, which provides investors with the breathing room they need to stabilize or reposition their properties before selling or refinancing.
Give us a call today or submit your online application to begin securing the financing for your Brentwood, NY investment.
Hard Money Lender in Brentwood, NY: Frequently Asked Questions
What are Hard Money Lenders?
At West Forest Capital, we operate as a hard money lender, providing private loans for real estate investments that are based on the asset itself rather than the borrower’s credit score. We focus on the property’s purchase price and its projected after-repair value (ARV), allowing us to offer financing quickly—typically in five days or less—much faster than traditional banks.
We are the lender of choice for investors needing quick decisions, customized loan terms, or financing for properties banks won’t fund, such as those in need of major repairs or lacking a Certificate of Occupancy. Our expertise also extends to helping investors who are rebuilding their credit profiles or seeking refinancing under tight deadlines. Additionally, we frequently finance auction purchases and fast-turn flips.
As commercial lenders, our hard money loans are exclusively available to LLCs. Establishing an LLC is a simple process that can be done by individual investors as well. Along with verifying the LLC, we ensure the title is clear and review your full project plan, including any necessary rehab schedules.
For proactive real estate investors, especially those with time-sensitive deals, a hard money loan from West Forest Capital provides the speed and flexibility to keep projects moving.
How Do Hard Money Loans Work?
Hard money loans are designed to offer speed and flexibility, providing faster access to financing than traditional bank loans. However, this convenience comes with higher costs. Interest rates typically range from 9% to 12%, and borrowers should expect to pay 1 to 3 points in closing fees. These loans are generally short-term, typically lasting one or two years.
Our hard money offerings generally consist of two components: (1) a purchase loan that covers 70% to 85% of the property’s acquisition cost, and (2) a rehab loan to cover the cost of renovations. At West Forest Capital, we often finance the entire rehab budget for properties needing significant work.
If no rehab is required, we exclude the rehab portion of the loan. For properties requiring renovation, funds are distributed in stages after portions of the work are completed. For example, on a $50,000 renovation, the borrower can receive reimbursement for $15,000 worth of completed work, with further disbursements made as more work progresses. The total loan amount, including both purchase and rehab, is limited to 65% of the home’s projected after-repair value (ARV).
What do hard money lenders look for?
At West Forest Capital, we are committed to supporting your real estate investment goals by providing flexible hard money loans that are both secure and financially sound. Our goal is to help you achieve your objectives with confidence and clarity.
Since our loans are structured as commercial products, we provide funding exclusively to LLCs. If you haven’t yet established an LLC, there’s no need to worry as creating a single-member LLC is quick and straightforward, and we can help you through the process.
We evaluate loans based on two major financial factors: the purchase price of the property and its expected after-repair value (ARV). For maximum profitability, the purchase price should be at or below market value. If you are requesting renovation funding, we carefully review the proposed repair budget and project timeline to ensure they align with the ARV.
Before we can proceed with closing, we require a clean, marketable title. Any liens, claims, or judgments affecting the property or LLC must be resolved in advance. While we are flexible in many areas, we require a well-structured repayment plan and solid financial foundation.
We focus on funding deals with real potential, deals where the financials clearly indicate a profitable outcome after factoring in all costs, including purchase, rehab expenses, interest, and closing fees. Once we confirm the numbers, we can act quickly and help you close the deal with confidence.
What is hard money used for?
When it comes to properties in Brentwood, NY, hard money loans are often employed in the following scenarios:
- To purchase and renovate a property in Brentwood, NY that traditional banks would likely turn down due to its condition or the borrower’s financial standing, with plans to sell the property for a profit. This is a typical “fix and flip” strategy.
- To acquire and renovate a property in Brentwood, NY that cannot be financed through conventional methods, with the intent to rent it out. Once rented, the property may qualify for refinancing through traditional lenders.
- To quickly secure a Brentwood, NY property, especially when time is of the essence, such as bidding on a foreclosure or other off-market opportunities. Traditional banks might take months, but a hard money lender can close in under a week.
- To access capital with a fast cash-out refinance using an existing Brentwood, NY property as collateral.
- To refinance a balloon payment or an expiring mortgage tied to a Brentwood, NY property.
- To finance substantial repairs or improvements for a Brentwood, NY property that traditional lenders would not support.
- To purchase a property in Brentwood, NY through an LLC, a scenario where many traditional banks may not approve the loan.