Albany, NY's Trusted Hard Money Lender for Real Estate Investors

As New York's state capital, Albany has a stable economic base built on state government, healthcare, and higher education. Its historic rowhouses, brownstones, and two-family homes give investors a deep supply of properties to renovate and rent.

Unitas Funding provides Albany investors with private loans for fix-and-flip, new construction, bridge, and DSCR rental properties. Capital Region borrowers can access up to 92.5% loan-to-cost at rates from 8.99%, from a lender with $4.5 billion funded.

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Fast, Reliable Capital for Your Next Albany Deal

Albany's steady public-sector employment and large student population keep rental demand high all year. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Brick rowhouses in Center Square, Hudson/Park, and around Washington Park are prized by buyers who want historic character near downtown. Unitas funds purchase and renovation together with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

Vacant lots and aging buildings in neighborhoods such as Arbor Hill and the South End offer room for new infill housing. Our construction loans fund draws in 24–48 hours to keep work moving.

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Bridge Loans

Bridge Loans

Need to close on an Albany multifamily before your other property sells? A Unitas bridge loan gives you the short-term capital to act now.

 

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DSCR Loans

DSCR Loans for Rental Properties

The University at Albany, Albany Medical Center, and thousands of state jobs make Pine Hills and nearby neighborhoods steady rental markets. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in Albany

  1. Direct, Fast Decisions
    Unitas decides and funds in-house. Albany investors get answers in hours, not weeks.

  2. Capital Region Market Knowledge
    We understand Albany's older housing stock, two-family properties, and student rental demand, and we build loans around realistic numbers.
  3. Draws Through Every Season
    Draws are funded in 24–48 hours so Albany projects stay on schedule through a short construction season.

  4. Institutional Capital
    With $4.5 billion funded, Unitas can support Albany investors as they build larger portfolios.

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Get Pre-Approved in 24 Hours
Found an Albany property worth pursuing? Send your deal and get a pre-approval in 24 hours from a direct lender.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Albany, NY?

Most Albany loans close within 10 business days after we receive a complete application.

Does Unitas finance two-family and multifamily homes in Albany?

Yes. We fund one- to four-unit properties and small multifamily buildings throughout Albany.

What leverage is available for Albany rowhouse renovations?

Qualified investors can finance up to 92.5% of total project cost, including purchase and rehab.

Can I use a DSCR loan for an Albany rental near the university?

Yes. Our DSCR loans qualify based on the property's rental income, not personal income.

Does Unitas serve other Capital Region cities?

Yes. We fund deals across the Capital Region, including Troy, Schenectady, Colonie, and Rensselaer.

 

 

 

Ready to Fund Your Next Albany Real Estate Investment?

Unitas Funding gives Albany investors fast, dependable capital in New York's capital city. From Center Square rowhouses to rentals in Pine Hills, we fund projects across Albany County. Contact us today to discuss your next Albany investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.