Fix & Flip Loans in New York & Massachusetts
- Decisions in about 72 hours
- Rehab funds via fast draws
- Local underwriters (NY & MA)
- No hard pull to inquire
- Typical close ~7–14 days
- Min loan $100k
We fund real investment work — walkthroughs, rehabs, rentals.
Investment properties only. Not owner-occupied homes.
Who We Work With
Active real estate investors
Buying, rehabbing, or holding investment property
Non-owner-occupied 1–4 unit, small multifamily, rental holds
We finance flips, BRRRR, and buy-and-hold deals
Select mixed-use / commercial deals
Case-by-case review when the numbers make sense
Serious first-time investors welcome
Strong plan / contractor team required
What Can We Fund For You?
Purchase + Rehab
Funds acquisition and renovations via staged draws.
Purchase Only (Light Work)
Clean turns/cosmetics with tight timelines.
Rehab Only (Owned)
Leverage equity to finish the project.
Bridge to Sale
Short-term hold through listing/closing.
Bridge to Refinance
Transition to long-term
financing.
Select Mixed-Use
Primarily when residential
drives value.
Typical Terms & Structure
Term
What It Means
Minimum Loan Size
$100,000
Term Length
Leverage / LTC
Interest & Fees
Rehab Funds
Prepayment
Extensions
Get Funded in 3 Simple Steps
01
Submit Deal Specifics
Complete our brief application form in just a few minutes, no complicated paperwork
02
Connect With Your Underwriter
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.
Rates & Fees — What Affects Pricing
Pricing reflects deal risk and speed. Key factors include:
- Leverage requested (LTC/LTV) and rehab scope
- Experience level and strength of your team
- Timeline/exit plan (sell vs. DSCR/agency refi)
- Asset quality & ARV realism supported by comps
Example Rehab Draw Schedule
Milestone 1
Demo + rough-in complete
Milestone 2
Mechanicals + drywall/paint
Milestone 3
Kitchens/baths + exterior finish
What We Look For
- Clear scope + line-item rehab budget
- Realistic ARV comps
- Exit plan (sell or refi)
- Experience (first-timers welcome with strong team)
Regions We Actively Serve
We fund across New York (Capital Region, Central NY, WNY, Hudson Valley) and Western Massachusetts (Berkshires). Looking for local details? Explore our geo pages:
Local Coverage
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.
Real Deals, Real Timelines
Syracuse SFR | 62-day flip
- Purchase $145k
- Rehab $48k
- ARV $275k
- Exit Sale
Albany Duplex | 90-day rehab
- Purchase $220k
- Rehab $85k
- ARV $420k
- Exit Refi (DSCR)
Hudson Valley SFR | 75-day flip
- Purchase $260k
- Rehab $60k
- ARV $445k
- Exit Sale
Frequently Asked Questions
We fund real estate investors looking to purchase, refinance, or leverage equity in non-owner-occupied properties.
How fast can you close on a fix & flip?
Do you fund 100% of rehab?
What’s the minimum loan size?
Do you lend to first-time flippers?
Do you lend on mixed-use?
Will I need an appraisal?
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.