Derry’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and grow with confidence? At Unitas Funding, we partner with builders, landlords, and real estate investors, combining institutional capital with deep construction lending experience. Expect quick approvals, smooth draws, and tailored terms on our Derry hard money loans so your real estate investments stay on track. We listen, solve, and move at your pace, keeping projects funded while earning trust through clear, responsive communication.

Whether you’re pursuing fix and flip financing, need bridge loans, or planning new construction funding, our seasoned private money lenders deliver speed, flexibility, and reliability to every deal.

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Fast, Reliable Capital for Your Next Real Estate Deal

Count on a seasoned private money lender in Derry backed by institutional stability and the speed of a responsive hard money lender. Our flexible loan programs fund fix and flip projects, support ground-up new construction, and extend rental property loans for long-term holds, while timely bridge financing keeps acquisitions and rehabs moving. We move fast, underwrite pragmatically, and communicate clearly so real estate investors can seize opportunities, manage risk, and scale portfolios with confidence.

Fix & Flip Loans

Fix & Flip Loans

Looking to move fast on your next project? Our fix & flip loans in Derry deliver short term financing with the speed and certainty investors expect, whether you’re executing a classic turnaround or the BRRRR method. We structure each hard money rehab loan around the property’s After Repair Value (ARV), providing fix and flip funding that covers acquisition and renovations. With streamlined underwriting, transparent terms, and responsive service, we help you maximize leverage, control timelines, and scale your portfolio.

 

 

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New Construction Loans

New Construction Loans

Secure flexible financing for ground up construction with our private construction loans; we fund projects ranging from single family spec homes to multi unit residential communities and mixed use developments. As a seasoned private construction lender serving Derry, we align capital with milestones through a staged draw process, so you can move confidently from lot acquisition and horizontal improvements to vertical build. We combine quick underwriting, clear terms, and service to keep timelines and budgets on track.

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Bridge Loans

Bridge Loans

Move fast with our hard money bridge loans designed for investors who can’t wait on conventional lenders. We structure interim financing as practical gap financing to help you seize a new investment property, stabilize value, and position the asset for permanent financing without losing momentum. Count on our real estate bridge loans in Derry for speed, clear terms, and hands-on service, so you close confidently, refinance on schedule, and keep your pipeline working.

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DSCR Loans

DSCR Loans for Rental Properties

DSCR loans in Derry, built around a strong Debt Service Coverage Ratio, feature no income verification to keep approvals swift for portfolio growth. As flexible rental loans and asset based loans, they function as practical landlord financing that qualifies the property by its cash flow, not wages. With investment property mortgages, acquire long-term rentals, STRs, or MTRs, and scale holdings confidently while optimizing yield and liquidity across changing market conditions.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas blends institutional reliability with entrepreneurial agility; as the leading hard money lender in Derry, we structure financing for complex real estate deals and deliver fast funding, helping investors move quickly with clear terms, responsive guidance, and confidence at closing.

  2. More Ways to Say ‘Yes’ to Your Deal.
    We use an expanded credit box and creative underwriting to finance projects others decline; our hard money lending experts in Derry move fast, weigh unique investments fairly, and find ways to say yes when timing and nuance matter.

  3. Certainty from a Direct Lender.
    Rely on us as a direct hard money lender in Derry; we deploy our own capital, so loan approval moves fast. With direct lending, we streamline underwriting, communicate clearly, and deliver secure funding with clear timelines and smooth closings.

  4. Faster Funding, Faster Draws.
    We streamline the loan process in Derry, enabling fast funding, efficient construction draw releases, and closings in as little as 10 days, supported by responsive communication that keeps real estate projects moving, on schedule, and positioned for profitability.

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Get Pre-Approved in 24 Hours
Apply today and secure funding for your next investment property in Derry.

FAQ

Who qualifies for a hard money loan from Unitas Funding?

In choosing our hard money investor loans, prioritize a long-term private money lending partner over the cheapest rate; we earn trust by delivering fast funding at the offer stage, after a term sheet, and through every draw process milestone. If you run real estate investments via an LLC or corporation and value speed plus certainty, you’ll fit our model. We back builders with construction loans and capital expertise, supporting investors in Derry with hard money lending that keeps timelines tight. Count on clear communication, practical underwriting, and execution tailored to projects that can’t afford delays.

What is required to apply for a Unitas real estate investment loan?

We power your momentum with a real estate investment loan built for speed and clarity. Start the loan application through a business entity—LLC or corporation only—used solely for investment or business purposes. For investment property financing in Derry, submit formation documents, EIN, operating agreement, IDs, bank statements, purchase contract, rent roll, rehab budget, insurance, and appraisal.

- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement

What credit score do I need for a hard money loan from Unitas?

We offer fast, flexible business purpose loans to qualified investors with strong histories. For a hard money loan, we determine the credit score using the median FICO score from a tri-merge report—or the lower of two when only two are available. Representative scores below 600 are ineligible for our investment property loans, preserving performance and pricing. Expect competitive terms on private loans in Derry tailored to your strategy, with funding aligned to real timelines and opportunity.

Do you lend to first-time real estate investors in Derry?

We offer first time real estate investor loans for newcomers and support seasoned buyers, too, pairing guidance with speed. Whether you’re tackling your first fix and flip in Derry or scaling cash flow with our rental property loans, we align the right loan programs, accessible capital, and transparent terms to your goals. Count on us for swift approvals and fix and flip funding so you can move decisively, mitigate risk, and complete projects with confidence.

Is income verification required for investment property loans from Unitas?

We make qualification simple: no personal income verification for our investment property loans, and our private real estate loans in Derry reflect true asset based lending built around strong down payments and verified liquidity. We underwrite with a DSCR focus, prioritizing the property’s cash flow over wages, resulting in authentic DSCR loans. This streamlined approach lets real estate investors leverage asset performance, close faster, and scale portfolios strategically while maintaining resilient financing across acquisitions, refinances, and long-term holds.

 

 

 

How long does the approval process take?

Move fast with a lender that understands deal timelines. We deliver fast loan approval for investors, often issuing pre-approvals and term sheets the same day. Final sign-off depends on clear title and property valuation, and our hybrid valuations typically wrap in 3–5 business days. Our hard money loans in Derry can close in as little as 10 days, giving you a reliable path to secure financing on competitive opportunities while we keep underwriting tight and communication straightforward.

 

 

 

Why choose Unitas over other hard money lenders in Derry?

With deep construction and lending expertise, we address investor challenges better than other hard money lenders, closing private money loans in Derry in as little as 10 days. We tailor every deal, nurture lasting relationships, and offer rates from 9.25% on real estate loans with up to 92.5% LTC. Powered by institutional capital yet delivered by a responsive private money lender, our high leverage loans fund quickly while keeping terms clear and support hands-on.

 

 

 

How is a hard money lender different from a bank?

Comparing a hard money lender to a bank, the edge comes down to speed and flexibility. As a focused provider of investment real estate loans, we deliver fast closing loans in days and tailor structures to creative strategies. Our transparent, streamlined process supports investors from start to finish, making fix and flip, bridge loans, DSCR loans, and new construction lending in Derry more efficient. Count on us for responsive underwriting, clear terms, and funding that keeps your deals moving.

 

 

 

Do you provide funding in my state or city?

As a nationwide direct lender, we finance fix and flip loans, DSCR loans, new construction, and bridge loans in Derry and throughout New Hampshire, with broad coverage across most states. We don’t lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we work only through licensed brokers. Everywhere else, we deliver business purpose loans backed by responsive underwriting and reliable private capital solutions for investors.

 

 

 

How do I apply for a real estate investment loan from Unitas?

Apply for a real estate investment loan with a team that values personal connection: we start online with a simple loan calculator, then our Account Executive quickly reviews your project, qualifications, and timeline to tailor real estate investor financing. From pre-approval through valuation, title, and draws, we streamline every milestone so real estate investors in Derry move confidently to closing, while our clear communication, fast underwriting, and flexible terms keep your strategy on track.

 

 

 

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.