Pepe/Berard Capital

New York Direct Mortgage Lending & Real Estate Investing

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    • Fix & Flip Loans
    • Hard Money Lending
    • Partnership Buyouts
    • Permanent Financing
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Hard Money Lending

We specialize in providing fast, interest-only bridge and flexible financing (Hard Money) as an alternative to traditional bank lending with terms from 6 to 24 months. Whether it is a purchase, refinance (cash-out or rate & term) or refinance with a construction budget, we can structure the right loan for the situation.

General Loan Guidelines
Acquisition LTV Up to 90% LTV
Rate & Term Refinance LTV Up to 75% LTV
Cash-Out Refinance LTV Up to 65% LTV
Refi w/ Construction LTV Up to 70% AIV & 65% ARV
Loan Term 6 to 24 months
Property Types Commercial and Residential (LTV’s will vary)
Loan Amount $150,000 up to $5,000,000*

*Higher amounts on a case by case basis

  • Fix & Flip Loans
  • Hard Money Lending
  • Partnership Buyouts
  • Permanent Financing

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