Your Trusted
New York Hard Money Lender

Wilshire Quinn is a New York hard money lender, financing real estate investments up to $10 million. We work fast, turning loans around much quicker than traditional lending institutions, because we know time is critical for borrowers looking to invest in New York’s competitive market.

Finance Your Next Transaction With Wilshire Quinn

  • A nationwide direct Lender, not a broker
  • Pre-approval in 24 hours
  • Typical funding in five to seven days
  • Loan amounts up to $10 million

Purchase | Refinance | Cash-Out | Rehab | 1031 Exchange

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Hard Money Lenders (Home) » New York Hard Money Lender

Lending Parameters

CLOSING TIME Typically 5 to 7 days
LOAN SIZE $200,000 to $20,000,000
LTV Up to 60% LTV and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
LIEN POSITION First Trust Deeds Only
LOAN TERM 6 to 18 months
AMORTIZATION Interest-only payments
ORIGINATION FEES 1 to 5 points based on location and property, LTV, credit worthiness of the borrower, loan amount and term
LENDING AREAS Nationwide, with a focus on California

Our Lending Program:

  • Closing Time: Typically 5 to 7 days

  • Loan Size: $200,000 to $20,000,000

  • LTV: Up to 60% and 60% of ARV for rehab loans, not to exceed 90% of the purchase price
  • Lien Position: First Trust Deeds

  • Loan Term: 3 to 24 months

  • Interest Rate: 7.5% to 11%

  • Amortization: Interest-only payments

What is a Hard Money Loan?

A hard money loan, also known as a “bridge loan,” is a short-term loan used until a person or company either secures permanent financing or removes the obligation through the sale of the property. Hard-money loans generally have higher interest rates than conventional or bank loans, and are written for shorter periods of time. Typical hard-money loans or bridge loans last 12 to 18 months. Wilshire Quinn loans do not exceed 60% of the appraised value of the property securing the loan.

Who Typically Uses a Hard Money Loan

  • Business owners looking to pull cash out of existing properties
  • People who want to close quickly
  • Borrowers who have multiple properties looking to cross-collateralize
  • Investors looking to purchase rental properties
  • Investors who buy, repair and immediately resell their property (“flippers”)
  • Borrowers who cannot refinance with a traditional bank
  • Builders
  • and more…

Recently Funded Hard Money Loans

San Diego Hard Money Lender

Loan Amount: $16,025,000
Loan Type: Blanket Refinance
Property Type: Hospitality
Loan-To-Value: 43%
Term: 12 Months

San Diego Hard Money Lender

Loan Amount: $2,520,000
Loan Type: Purchase
Property Type: Assisted Living
Loan-To-Value: 59%
Term: 12 Months

San Diego hard money lender

Loan Amount: $10,675,000
Loan Type: Refinance
Property Type: Parking Structure/Retail
Loan-To-Value: 52%
Term: 12 Months

Hard Money Lenders nationwide

Loan Amount: $1,500,000
Loan Type: Purchase (Blanket)
Property Type: Single-Family
Loan-To-Value: 61%
Term: 12 Months

Here’s What Our Borrowers Are Saying

A Proven New York Hard Money Lender, Lending Nationwide

It was a pleasure working with the Wilshire Quinn Capital team. The loan process was easy and smooth from start to finish. Clear communication and more importantly, they executed exactly how they set the initial expectation. Wonderful job all the way around.
Garrett Garner
Garrett Garner
23:30 13 Dec 21
Chris Garcia and Emily Mesetz were great to work with. They were always quick to respond and had excellent follow-up.
Andrea King
Andrea King
23:32 11 Nov 21
Refi for a hotel in a global pandemic, was a unique challenge, Matt and the team at Wiltshire Quinn Capital stepped up. The story of the continues.
Chris Chiari
Chris Chiari
17:21 08 Oct 21
I could not be happier with the professionalism and efficiency of Matthew Mielke at Wilshire Quinn Capital. He helped get a unique deal to the finish line. There was clarity and consistency from start to finish.
Trey Sublette
Trey Sublette
17:57 07 Oct 21
Matt and Jeremy at Wilshire got the deal done when others turned my client down. Professional, quick and offered great terms for my client. I highly recommend running your next deal by them.
Mathieu Pollenz
Mathieu Pollenz
18:33 09 Jul 21
Wilshire Quinn came through when other lenders couldn't. They were extremely responsive and turned everything around very quickly. Loan terms were very reasonable for a short-term bridge loan.
David Marcin
David Marcin
01:08 22 May 21
i love the way the speed of closing went
elliot moore
elliot moore
16:17 06 Apr 21
I love this company! They are fast, easy, but most off all, they fund when they produce a Letter of Intent. Thank you "team close quick'!
Timothy Thomas
Timothy Thomas
16:24 16 Mar 21
My experience of dealing with Wilshire Quinn Capital has been nothing short of excellent service and top notch talent . My loan was funded on time
Frank Meram
Frank Meram
17:03 10 Dec 20
It was great working with Wilshire Quinn Capital in San Diego. Their team is professional and hardworking. I had a a wonderful experience working with them and would work with them in the future!
Kate Swann
Kate Swann
17:00 10 Dec 20
Wilshire Quinn was great to work with, from start to finish everything was seamless! Would highly recommend.
Donald Kaminski
Donald Kaminski
01:08 10 Dec 20
We had an excellent time communicating with the principals at Wilshire Quinn and performed as we wished and exceeded all expectations. Chris and his team were professional from the start and we will look forward to doing business with them again.
James E. Levin
James E. Levin
01:14 03 Dec 20
Had a client who's successful business was impacted by such, income had been negatively affected, and our normal A-paper borrower was in a pinch to qualify for property purchase.Wilshire Quinn came to the rescue, and helped us close the loan on time and with minimal hassle.Our rep Matt was very helpful; answered and/all questions without hesitation, and never made us feel stupid for asking and clarifying things we didn't understand, or that needed more information.Wilshire Quinn helped us out and I would be happy to recommend their services to a friend in need of hard-money and limited other options.
Jon Engelhardt
Jon Engelhardt
21:45 11 Nov 20
Very easy to work with as a mortgage broker. Protects their clients.
Luke R. Johnson
Luke R. Johnson
20:19 05 Nov 20
Wilshire Quinn Capital, Inc. is definitely great at their follow-up. Always pro-active trying to get deals done!
Alicia Gandy
Alicia Gandy
18:18 15 Oct 20
I was very happy with Wilshire Quinn Capital. The company was a great hard money lender. Communication was clear, responsiveness was quick and the process was very straightforward. They funded my loan quickly and I truly appreciate it.
Elena Vizvary
Elena Vizvary
22:36 16 Sep 20
Wilshire Quinn is a great hard money lender that funded our loan quickly. Very reliable and delivered 100%
Bill Janis
Bill Janis
21:46 03 Oct 19
Wilshire Quinn has been a lending agency I, We, have utilized for the past 5+ years. The integrity of the entire company is professional, and the process of each phase of the lending is complementary to all parties involved. I highly recommend their services; small or in large lending capacity.
HBGS Treasurer
HBGS Treasurer
22:10 28 May 19
It was a pleasure to work with Wilshire Quinn Capital, Inc. They are highly professional, knowledgeable, responsive and quick to return calls. I was most impressed with the turnaround and how quickly and conveniently the escrow check was disbursed. This is my second time working with Wilshire Quinn on mortgage financing and have never been disappointed. I will recommend Wilshire Quinn to every person I know who is in need of financing.
RishiRia Barkataki
RishiRia Barkataki
22:08 13 May 19
Wilshire Quinn Capital funded my unique loan in a timely manner and with the upmost of professionalism. Their experience helped guide me through the process.
Nelson Genteel
Nelson Genteel
23:30 07 May 19
Have been a Broker in CA since 1980 and have enjoyed working with Chris and his staff for many years,
Louis Steinberg
Louis Steinberg
17:11 07 May 19
Wilshire Quinn gave me a competitive quote and followed up with a quick, hassle-free escrow and closing. I am happy with their service and would recommend them to friends and business associates.
Ron Gerber
Ron Gerber
17:44 04 May 19
Great hard money lender.
Patrick Wight
Patrick Wight
21:11 03 May 19
The Wilshire Quinn team did an excellent job in a short time frame. I feel their rates and ‘products’ are competitive. Where I feel they distance themselves from the competitors is their commitment to customer satisfaction. Every project has challenges and they are dedicated to working with their clients to ensure satisfaction, which is not commonplace in the market these days.
242 Baldwin
242 Baldwin
22:00 02 May 19
This is a superb company to do business with.The customer service is always fast and accurate and gets the job done..When we needed help we had it in record time (three different times) to solve our financial needs...We can't say enough good things about doing business with Wilshire Quinn. Marvin and Arde Harris
Arde Harris
Arde Harris
16:16 17 May 18
Wilshire Quinn was extremely professional and they have the staff to make sure all issues are addressed quickly.
I’ve dealt with them for 3 years and I’ve always had a great experience. No one should have any reservations about working with them.
arnie rissman
arnie rissman
21:36 15 May 18
I'm not one to typically write reviews but I was so impressed with Wilshire Quinn Capital's service I felt it needed to be shared. I'm a mortgage broker and I recently referred a client to Wilshire Quinn who didn't qualify for any of our programs and needed to fund quickly on a house. I spoke with Matt Mielke and he was not only able to provide a great loan for the client but funded it with time to spare! The client thanked me for connecting him with Matt and as that was the only way he could finance his dream home. It was nice to be able to refer a hard money lender that did what he said he was going to do. I highly recommend Wilshire Quinn Capital for any hard money lending.
Travis Smith
Travis Smith
20:45 21 Mar 18
The best!! They are trustworthy and professional. I highly recommend!!
Dan Fulkerson
Dan Fulkerson
23:26 19 Mar 18
New York Hard Money Lender commercial real estateNew York Hard Money Lender Commercial Real Estate MarketNew York Hard Money Lender - Wilshire QuinnNew York Hard Money Lender - Brownstone

Let Us Help You Take a Bite of the Big Apple

New York City is the busiest, most-populated metropolis in the country. With more than 8.6 million residents occupying the 22.7-square-foot island of Manhattan and its four outer boroughs, real estate comes at a premium.

Just like the city itself, the housing market is fast-paced and dynamic, consistently ranking among the most competitive markets in the U.S. New York also has the nation’s second-highest rental rates, after San Francisco. The majority of New Yorkers rent. According to U.S. Census data, about 51 percent of the city’s housing units are renter-occupied, compared to 41 percent that are owner-occupied. And that statistic doesn’t only apply to the droves of post-college millennials flocking to the city with big dreams. In NYC, renters outnumber homeowners in every age group, from 25 to 75.

This means there is tremendous opportunity for investors looking to purchase rental properties in New York. And a trusted New York hard money lender like Wilshire Quinn can be the bridge to help you take that first bite of the Big Apple and make a smart investment that will lead to long-term financial success.

“If you collect a portfolio of say 15 apartments and rent them out—studios, one-bedrooms and two-bedrooms—you can make a six-figure income from your investments,” says New York realtor Julia Hoagland of Compass.

Looking to Invest in a New York rental property? Consider the following:
  • The majority of New Yorkers rent rather than own, making rental properties a solid investment
  • The cost of living in New York City has continued to rise over the past 10 years, contributing to the city’s high number of renters
  • Housing inventory remains the most influential and persistent factor affecting prices
  • Purchasing a condo is less restrictive than a co-op
  • Apartments with one or two bedrooms are the most in-demand and easiest to rent
As a New York Hard Money Lender, We Care More About the Real Estate Being Purchased Than Your Credit Score

Asset-based lending means we determine our loan amounts based on real estate value, rather than solely considering credit score and debt-to-income levels. We aren’t limited by inflexible bank requirements. Wilshire Quinn takes pride in its common-sense, equity-based lending. As a New York hard money lender, we are equipped to handle even the most complicated of lending scenarios. Unlike traditional lenders, we care more about the real estate being purchased or refinanced, and our underwriting process can take place in a matter of days, instead of weeks or months. Wilshire Quinn specializes in hard money loans for investment properties and commercial real estate in New York and across the nation.

Asset Based Lending

Asset based lending means we base our loan amounts on the value of real estate rather than strictly on your credit score and debt to income levels. Wilshire Quinn takes pride in our common sense equity based lending. Wilshire Quinn is a New York hard money lender, with experience lending nationwide. As an experienced hard money lender we can handle even the most complicated of lending scenarios and care more about the real estate that you are purchasing or refinancing than inflexible bank requirements.

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FAQs – Hard Money Loans

A hard money loan is a real estate-backed loan where a borrower receives funds secured by equity in their property (or properties). Hard money lenders like Wilshire Quinn are mainly focused on the equity in the property as opposed to borrower credit and financials. Hard money loans are typically short-term ranging from six months up to two years.

Hard money lenders like Wilshire Quinn primarily focus on a property’s equity to secure the loan. The borrower’s credit is considered, but is not a primary determinant in the underwriting process.

After receiving a signed term sheet, Wilshire Quinn typically funds a loan in five to seven business days.

Wilshire Quinn will consider a wide variety of property types including: office, retail centers, industrial, hotels, parking lots/structures, condo inventory, entitled land, multifamily properties, non-owner-occupied single-family homes, vacation homes and rentals, primer loans and bridge loans.

We will consider a wide variety of loan types including: purchase, refinance, cash-out refinance, partnership buyouts, rehabs, 1031 exchanges and value-added acquisitions.

You can either complete our online loan application, email or call us. We would prefer to talk through your loan scenario directly, as we can determine in a matter of minutes, once we have a few simple questions answered, if we have interest.

Our interest rates typically range from 8.5% to 10.5%, interest-only. Lender origination points typically range from 1% to 5% of the loan amount. The borrower pays for standard closing costs (title, escrow, legal).

Most of our portfolio is in California but we do have the ability to lend nationwide. We strongly prefer to lend in major-metropolitan areas.

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