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$300,000 Second Mortgage – YMCA – Tarrytown, NY


$300,000 Second Mortgage – YMCA – Tarrytown, NY

H&O Capital Funding recently closed a second mortgage for the YMCA of Tarrytown. The Y had to make some much needed repairs and needed a quick cash infusion to get it done.  H&O Capital was able to get it done in under two weeks, allowing for the YMCA to make the needed repairs before the winter sets in.

H&O Capital Funding  has helped countless real estate buyers, sellers, lessees and lessors achieve their goals. Our legacy is unwavering commitment to the communities we serve. Houlihan & O’Malley Commercial Real Estate Services specializes in four distinct, yet overlapping, areas of business: Commercial Brokerage services, Private Mortgage services, Appraisal Services and Advisory services.

For more information on loans that we offer, visit our website.


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Who Funds Hard Money Lenders?

Where do Hard Money Lenders get their Funding?

Hard Money Lender funds come from one of three sources. Personal funds, a portfolio of investors or a public fund with money raised from many different investors similar to a REIT.

The first, a lender who uses personal funds, is likely the rarest. There simply aren’t that many lenders out there with enough personal funds to meet the demand for their service.

The second, a lender who has a portfolio of investors for each deal, is fairly common. These lenders generally have a pool of investors they can bring each deal to. The investors will then decide whether or not to invest in the deal as presented by the lender. Some lenders who use this method can have trouble raising funds for certain deals and may make promises to a borrower that they can’t keep. However, most of these lenders have investors who trust their judgement and jump at the chance to invest in any loan the lender brings them.

The third, a lender who raises funds from many different investors to create a pool of money or “fund” that they then lend out of. These lenders are becoming more and more …

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Pros and Cons of a Hard Money Loans

Hard Money Loans Requirements

Conventional Lenders and Hard Money Lenders actually have surprisingly similar loan requirements. Both types of lenders rely heavily on the loan to value ratio, however, one con for conventional lenders is that they also go through borrowers’ personal financials including credit scores. While this may be a pro for hard money lenders as they do not ask for financials and credit scores, this extra security for conventional lenders allows them to typically lend up to a higher loan to value ratio than a hard money lender.


If you are looking to close a deal quickly, look no further than a hard money lender. They specialize in speed and can generally get deals closed in 30 days or less whereas a conventional lender needs at least 60 days to be able to close. A pro for hard money lenders.


As one might imagine, conventional lenders are governed by much stricter federal and state laws, as well as their corporate governance. We all know the saying, “think outside the box,” but this is exactly what a conventional lender cannot do. They work within specific boxes with specific criteria and the loans they do must be able …

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