Dover’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and grow with confidence? We finance builders, landlords, and real estate investors with private capital backed by partners and construction lending experience. Expect quick approvals, seamless draws, and tailored terms on our Dover hard money loans so your real estate investments stay on schedule and funded.

Whether your plan calls for fix and flip financing, bridge loans, or new construction funding, our seasoned private money lenders deliver the speed, flexibility, and consistent execution you need to scale. We guide each deal with clear communication, pragmatic underwriting, and reliable closings that keep projects moving.

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Fast, Reliable Capital for Your Next Real Estate Deal

We pair institutional stability with the speed of a direct hard money lender, acting as a Dover private money lender real estate investors trust. Our flexible loan programs power fix and flip strategies, ground-up new construction, rental property loans, and timely bridge financing. With fast approvals, local insight, and terms designed to scale, we help clients move quickly, reduce risk, and build lasting portfolios while staying competitive in Dover’s dynamic market.

Fix & Flip Loans

Fix & Flip Loans

We design fix & flip loans in Dover to move quickly, delivering short term financing that works as a streamlined hard money rehab loan for investors executing the BRRRR method or single resales. With responsive underwriting and predictable draws, we provide fix and flip funding for purchase and renovation. Because we base approvals on the After Repair Value (ARV), you can secure stronger leverage, accelerate timelines, and position each value-add project for a profitable exit.

 

 

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New Construction Loans

New Construction Loans

Secure flexible financing for ground up construction through our private construction loans designed for builders who value speed, clarity, and control. As Dover’s trusted private construction lender, we tailor terms for single family spec homes, multi unit residential communities, and mixed use developments, then manage a transparent staged draw process tied to verified milestones. From lot acquisition to horizontal improvements and vertical build-out, we coordinate funding so you can break ground confidently and deliver on schedule.

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Bridge Loans

Bridge Loans

Speed matters, and our hard money bridge loans deliver the decisive interim financing investors need when a window is closing. We provide gap financing to outpace conventional lenders, letting you secure or stabilize an investment property before it’s ready for permanent financing. Our real estate bridge loans in Dover move quickly, with transparent terms and responsive underwriting, so you can capture time-sensitive opportunities and keep deals on track while longer-term capital falls into place.

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DSCR Loans

DSCR Loans for Rental Properties

Choose Dover DSCR loans built on a clear understanding of the Debt Service Coverage Ratio, offering a no income verification path that keeps qualifying simple for investors. These rental loans and asset based loans center on property cash flow, a practical form of landlord financing for steady growth. Use investment property mortgages to acquire long-term rentals, STRs, or MTRs, align financing with goals, and strengthen relationships that support lasting portfolio success.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    We combine institutional reliability with entrepreneurial flexibility, guiding investors through complex real estate deals with clarity and speed. As a hard money lender serving Dover, we deliver tailored structures, responsive service, and fast funding to help your transactions close confidently.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Count on us for solutions; with an expanded credit box and creative underwriting, we confidently finance projects others pass on. Our Dover hard money lending team moves quickly on unique or time-sensitive deals, finding ways to say yes.

  3. Certainty from a Direct Lender.
    As a direct hard money lender in Dover, we deploy our own capital for fast closings. Through streamlined direct lending, you get clear terms, swift loan approval, and secure funding, delivered with transparency and the speed serious investors expect.

  4. Faster Funding, Faster Draws.
    Timing drives returns in real estate, so our Dover loan process moves fast, delivering closings in as little as 10 days, fast funding, and construction draw releases, while our responsive team keeps projects on track and profitable.

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

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Serious borrowers choose our hard money investor loans when they want a long-term private money lending partner, not the cheapest rate. Capital reliability wins deals: we deliver fast funding at offer, after the term sheet, and through every milestone of the draw process. You’ll fit well if you buy or build through an LLC or corporation for your real estate investments, value speed and clear communication, and prefer Dover hard money lending that understands both construction and capital. We support investors in Dover with flexible construction loans and practical guidance so projects move faster and finish stronger.

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

We accept only business entities (LLC or corporation) for any real estate investment loan, used strictly for business purposes. For investment property financing in Dover, include entity formation documents, EIN, operating agreement, purchase contract, rent roll or pro forma, bank statements, recent tax returns, government ID, and property details with your loan application.

- 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?

Qualified investors can access our business purpose loans with clear benchmarks: we assess the credit score for any hard money loan using the median FICO score from a tri-merge report, or the lower of two when only two scores are available. Representative scores below 600 are not eligible for our investment property loans. This disciplined approach lets us deploy reliable capital fast and deliver competitive terms on private loans in Dover tailored to each investor’s strategy.

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

Planning your first fix and flip in Dover or growing a portfolio, we offer relationship-first guidance and fast closings. Our first time real estate investor loans, rental property loans, and custom loan programs deliver accessible capital with clear terms and responsive updates. Count on us for fix and flip funding matched to your timeline, so you can buy confidently, renovate efficiently, and sell or hold strategically while building long-term partnerships that support every stage of your investing journey.

Is income verification required for investment property loans from Unitas?

Skip the hassle—no personal income verification is required for our investment property loans. We offer private real estate loans in Dover built on asset based lending, where solid down payments and verified liquidity help you move fast. Our DSCR-based approach prioritizes property cash flow, delivering true DSCR loans that reward performance over pay stubs. With clear terms and responsive guidance, real estate investors can qualify confidently, leverage strong assets, and strategically scale portfolios with speed and certainty.

 

 

 

How long does the approval process take?

Move quickly with our fast loan approval process designed for active investors. We issue same-day pre-approvals and term sheets for hard money loans, and our team advances files efficiently while final approval hinges on clear title and accurate property valuation. Our hybrid valuations typically finalize within 3–5 business days. With hard money loans in Dover, we can close in as little as 10 days, giving you a dependable path to secure financing for competitive real estate opportunities.

 

 

 

Why choose Unitas over other hard money lenders in Dover?

We pair construction savvy with lending precision to outpace other hard money lenders and deliver faster closings. We close private money loans in Dover in as little as 10 days, structure terms around your project, and keep support high-touch from start to finish. With rates from 9.25% and real estate loans up to 92.5% LTC, you tap institutional capital through a dedicated private money lender and secure flexible high leverage loans to scale confidently.

 

 

 

How is a hard money lender different from a bank?

As a hard money lender, we move faster than banks, prioritizing speed and flexibility. Specializing in investment real estate loans, we offer fast closing loans in days, not weeks, with flexible structures for creative strategies. Our transparent, streamlined process supports investors from underwriting to funding, making fix and flip deals smoother, bridge loans dependable, and DSCR loans straightforward. We also deliver new construction lending in Dover with local insight and efficient execution.

 

 

 

Do you provide funding in my state or city?

We are a nationwide direct lender offering fix and flip loans, DSCR loans, new construction financing, and bridge loans in Dover and throughout New Hampshire. While we lend across most states, we do not 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 exclusively through licensed brokers. Elsewhere, we tailor business purpose loans and private capital solutions to help investors move fast and close with confidence.

 

 

 

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

Ready to apply for a real estate investment loan? We blend personal connection with efficient tech: start with our online loan calculator, and an Account Executive will promptly review your project, qualifications, and next steps for real estate investor financing. From pre approval through valuation, title, and timely draws, we streamline every milestone so real estate investors in Dover move to closing with confidence. Count on our experienced team to deliver clarity, speed, and dependable funding.

 

 

 

Fast, Reliable Capital – No Red Tape

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