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Hard Money Loans in Rochester, NY

Direct, asset-based capital for Monroe County real estate investors. Secure the leverage you need for fix-and-flips, rentals, and new construction with 7–14 day closings.
  • Monroe County Market Expertise
  • Fast Decisions
  • Reliable Funding
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Direct Private Lending for the Flower City

Rochester remains a top destination for both local and out-of-state investors due to its unique combination of low entry prices and high rental demand. In a market where multiple offers are the norm, you need a lender that can provide proof of funds and close without the delays of a traditional mortgage. Mako Loans provides the hard money Rochester investors need to scale. We specialize in financing LLCs, focusing on the After-Repair Value (ARV) of your project rather than your personal debt-to-income ratio.
Exceptional Cash Flow

Rochester is widely recognized for having one of the best rent-to-value ratios in the United States.

Steady Appreciation

Consistent year-over-year growth in home values across Monroe County.

Education & Healthcare Hub

Strong tenant pools driven by the University of Rochester, RIT, and a massive healthcare sector.

Your Funding Partner
What We Fund in Rochester

We provide specialized capital for the most common Rochester investment strategies

Fix & Flip Loans

Short-term financing for 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.

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Rochester-Specific Underwriting

We understand the local block-by-block dynamics of the Genesee Valley. Our team is comfortable with:

Strong Neighborhood Knowledge

We lend on properties in Park Ave, the 19th Ward, Irondequoit, and the South Wedge.

Housing Stock Variety

We are experts at valuing 80+ year-old homes as well as the modern builds found in Brighton, Pittsford, and Victor.

Student Housing Dynamics

Strategic lending for properties near the U of R and RIT corridors.

Regional Reach

Active funding throughout Monroe, Ontario, and Wayne counties.

From Inquiry to Funding in 3 Simple Steps ​

01

Quick Inquiry

Tell us about the Rochester property and your plan. Complete our brief application form in just a few minutes.

02

Rapid Underwriting

We handle valuation and diligence in-house. We focus on the "As-Is" and "After-Repair" potential of the asset without bank red tape.

03

Fast Closing

Once title and insurance are cleared, we move to the closing table. Funds are typically wired in 7–14 days.

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Frequently Asked Questions
Yes. We provide hard money throughout the entire Greater Rochester area and Monroe County.
Yes. All Mako Loans are commercial-purpose and must be closed in a business entity (LLC, Corp, or Trust).
Our minimum loan size is $100,000.
No. As an asset-based lender, we do not require personal income verification or tax returns to qualify the deal.
No. As an asset-based lender, we do not require personal income verification or tax returns to qualify the deal.
Draws are milestone-based. Once a stage of work is completed, we verify the progress and release the funds to your LLC.

Rochester NY

Secure Your Rochester Funding
Tell us about your next project. Our Rochester-area underwriters will review your scenario and provide a preliminary quote within one business day.

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.

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Need Fast Funding?

Get Pre-Qualified Now