Yonkers’s Trusted Hard Money Lender for Real Estate Investors

Close deals faster and grow your portfolio with confidence. Unitas Funding delivers private capital solutions to Yonkers builders, landlords, and real estate investors backed by deep lending expertise.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed, flexibility, and reliability. As experienced private money lenders serving Yonkers, we structure deals around timelines and exits so you can execute quickly and maintain momentum in urban infill areas and commuter-driven submarkets.

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Fast, Reliable Capital

With institutional backing and direct-lender agility, Unitas Funding serves as a go-to private money lender across Yonkers. Our loan programs support every stage of investing—from fix & flip and new construction to rental DSCR and bridge financing.

Fix & Flip Loans

Fix & Flip Loans

Short-term fix & flip financing in Yonkers designed for speed and execution. ARV-based underwriting maximizes leverage and ROI.

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New Construction Loans

New Construction Loans

Private construction loans for infill and small multifamily projects across Yonkers, supported by staged draw schedules.

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Bridge Loans

Bridge Loans

Interim financing when timing matters. Yonkers bridge loans help investors move quickly on acquisitions and transitions.

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DSCR Loans

DSCR Loans for Rental Properties

Asset-based rental loans centered on property cash flow, ideal for scaling rental portfolios in Yonkers.

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Why Choose Unitas Funding

  1. The Power of a Bank, The Speed of a Partner.
    Institutional reliability paired with flexible, execution-focused lending.

  2. More Ways to Say “Yes” to Your Deal.
    Creative underwriting and a flexible credit box for complex projects.

  3. Certainty from a Direct Lender.
    Direct capital deployment for faster decisions and fewer delays.

  4. Faster Funding, Faster Draws.
    Streamlined approvals and predictable draw schedules.

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

Frequently Asked Questions

Who is a good fit for hard money loans in Yonkers?

Investors and builders who prioritize speed, certainty, and execution are typically the best fit in Yonkers. Strong candidates bring a clear scope, realistic budget, and defined exit strategy.

What documents are required to apply for a Yonkers real estate investment loan?

Provide the property address, purchase contract or payoff details, renovation or construction budget, and exit plan. Additional photos and contractor bids can help accelerate underwriting.

What credit score do I need for a hard money loan in Yonkers?

Credit is reviewed, but underwriting is primarily asset-based. Many approvals depend more on deal fundamentals and leverage than on a single credit score.

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

Yes. First-time investors can qualify with conservative leverage and a well-supported execution plan.

Is income verification required for investment property loans in Yonkers?

Most programs do not require income verification. DSCR loans focus on property cash flow, while rehab and construction loans emphasize ARV and feasibility.

How long does the hard money approval process take in Yonkers?

Initial feedback is often provided within 24 hours. Final approvals and closings typically occur in approximately 7–10 business days.

Why choose Unitas over other hard money lenders in Yonkers?

Direct-lender execution, transparent terms, and reliable draw schedules reduce risk during acquisition and construction phases.

How is a hard money lender different from a bank in Yonkers?

Banks rely on rigid documentation and longer approval timelines, while hard money lenders focus on asset value and speed of execution.

Do you provide funding throughout Yonkers?

Yes. Financing is available across all neighborhoods and submarkets for eligible investment properties.

How do I apply for a Yonkers hard money loan with Unitas Funding?

Submit your property details, budget, and target closing date to begin the underwriting process.

Ready to Fund Your Next Yonkers Real Estate Investment?

Yonkers’s market doesn’t slow down, and neither should your capital. At Unitas Funding, we deliver institutional backing and direct lending speed that helps investors win deals. Whether you’re renovating properties, developing spec homes, or building a rental portfolio across the area, our hard money lending team provides Yonkers real estate investors the leverage and certainty needed to close on schedule.