Serving Central New York Western Massachusetts Hudson Valley Western New York Northern New York
Close Fast.
Scale
Faster.
Hard Money Loans for Real Estate Investors. Get Approved in Days, Not Weeks.
- 4.9 Rated by Investors
- Local Expertise
- Quick Decisions
- 4.9 Rated by Investors
- Local Expertise
- Quick Decisions
Who Qualifies for Mako Loans?
We fund real estate investors looking to purchase, refinance, or leverage equity in non-owner-occupied properties.
Active Real Estate Investors
For those under contract, with possession, or seeking to purchase investment property.
Investment Properties Only
Flexible Funding Solutions
Cross-Collateralization Available
Your Path to Quick Funding
Get Funded in 3 Simple Steps
01
Apply in Minutes
Complete our brief application form in just a few minutes, no complicated paperwork.
02
Connect with Your Expert
A knowledgeable underwriter will review your deal and respond to your questions promptly.
03
Get Funded Fast
Close within a week. Funds will be wired directly to your closing agent and distributed at closing.
Why Local Investors Choose Mako Loans
We’re not just another lender, we’re your hometown partners in real estate success.
Lightning Fast Decisions
Get loan decisions in days not weeks, with funding that moves at the speed of your deals.
Local Market Experts
Collectively, our team has over 100 years’ experience as investors, lenders, and property managers in every market we serve.
Relationship-First Approach
You'll work with the same team on every deal, building long-term success together.
Investor Network
Access deals, contractors, partnerships and opportunities you won't find elsewhere.
Direct Access
Call us directly - no phone trees, no runaround. Reach actual decision makers who can say yes and move your deal forward.
Proven Track Record
20+ years of local real estate financing, from first flips to multimillion‑dollar projects.
Your Funding Partner
What Can We Fund For You?
Fix & Flip Loans
Short-term financing for experienced investors buying, renovating, and reselling properties.
New Construction
Ground-up construction loans for builders developing single-family and multi-family projects.
BRRRR Loans
Buy, Rehab, Rent, Refinance, Repeat strategy loans for building rental portfolios.
Rehab Loans
Renovation financing for investors improving distressed properties in our local market.
Commercial Bridge
Short‑term commercial property acquisition and repositioning loans designed for speed and flexibility.
Other projects?
Not sure what fits? Tell us about your deal, our experts will point you in the right direction.
Proudly Serving New York & Western Massachusetts Flippers & Investors
Our local expertise spans across Upstate New York and Western Massachusetts major markets. Whether you're flipping in Albany, building in Syracuse, or developing in Pittsfield, we understand your local market and can fund your project quickly.
Local Coverage
Trusted by Local Pros
See what builders, flippers, and investors say about working with Mako Loans.
Loan Features & Terms
We fund real estate investors looking to purchase, refinance, or leverage equity in non-owner-occupied properties.
Active Real Estate Investors
Make low monthly payments—just the interest—until the end of the loan.
Up to 24-Month Terms
Repayment periods that fit your project, with up to two years to complete.
No Points, No Hidden Fees
Enjoy transparent lending, no closing points or surprise charges.
Quick Approvals & Closings
Streamlined process for approvals and closings in as little as a few days.
Frequently Asked Questions
We fund real estate investors looking to purchase, refinance, or leverage equity in non-owner-occupied properties.
What types of hard money loans do you fund and in which states?
We’re a private, asset-based hard money lender financing non-owner-occupied investment properties (fix-and-flip, purchase, purchase + rehab, refinance). Primary markets: New York and Massachusetts. Minimum loan: $100,000.
How fast can Mako Loans close a hard money loan?
Many deals close in ~7–14 days with a complete file, clean title, and insurance binder. New York and Massachusetts are attorney-driven closings; quick responses to document requests help ensure fast funding.
What do I need to apply for an investment property loan?
Start with the form below. Typical requested items: government ID, entity docs (or PG), purchase contract/payoff (refi), rehab scope & budget, recent bank statements, property photos, and your exit plan (sell or refinance).
Can you issue a Proof of Funds (PoF) letter for my offer?
Yes. After a quick screen of your deal and liquidity, we can issue a PoF letter so you can write stronger offers in NY/MA and move faster with sellers and agents.
What rates, points, and fees should I expect? Is there a prepayment penalty?
Pricing is deal-specific. Your Term Sheet will lists rate, points (if any), and third-party costs (title, attorney, recording, appraisal/BPO if required). No traditional prepayment penalty; some programs include a minimum interest period.
How do rehab draws and monthly payments work on fix-and-flip loans?
Rehab budgets are held back and released in draws upon completion. Upon request, a local team member will inspect/approve, and draws are typically issued within 1-3 days following inspection. Payment are usually interest-only and paid monthly via automatic ACH. Unlike some of our competitors, interest is only charged on draws once released, not on the committed building loan amount.
Hard Money Lending
Get your project funded
Apply in minutes
60-second form: name, property, budget, timeline.
What We Fund
$100k+ hard money loans • New York & Massachusetts
Get Terms Fast
Deals reviewed and proof of funds sent quicky.
Funds at Closing
We coordinate title/attorney—funds wired once cleared.