Investor Lending for Purchase & Renovation, Bridge Loans, Long Term Rentals, Short Term Rentals

We are a boutique lender looking to help to revitalize the local housing stock for everyone’s ultimate benefit.

We provide investors with hard money loans needed to purchase and renovate, commerical real estate loans, & other projects requiring capital infusion

Benefits of Real Estate Investment Capital

Faster Approvals

One of the major benefits of private/hard money loans is the fact that real estate investors can secure the pre-approval within a much faster time, given they have submitted the handful of documents that the lender has requested. Financing can often take place usually in less than two weeks, as compared to normal loans which may take a month or even more.

Flexible Payments

With a financial institution, you won’t have this freedom. Instead, you will have to accept the payment times set by the bank. However, with a private lender, you can discuss and come to a mutually agreeable repayment time plan that we work out as being suitable for you.

Fewer Requirements

When applying for a loan from a normal financial institution, you will be expected to meet many hard-set requirements, like income history, experience, etc. Bank approvals can become a cumbersome process. It is likely that you will not be burdened with so many requirements by a hard money lender. As long as you can “Navigate the C’s of Lending” successfully, there are good chances that you will qualify for the loan.

Zero Prepayment Penalties

If you obtain a loan from an established bank, you may be subjected to prepayment penalties if you pay off the loan prior to the maturation date. In offering private/hard money loans, PTS LLC does not generally charge prepayment penalties, so if you come across extra cash and decide to pay off your loan before the due date, you can often do so without having to worry about being penalized for it.

Credit History Not a Big Issue

In the case of big lending institutions, your credit history can have a huge impact on whether you will get a loan or not. With private/hard money loans, less emphasis is placed on a weak credit history. This is because as a private lender, we base loan approval on property value, borrower equity, etc. As long as you meet these criteria, you stand a good chance of getting funded.

Investor's Deal Analyzer

Analyze a property in seconds. Calculate metrics such as Cap Rate, Cash on Cash Return and IRR in just a few clicks.

Get in Touch With Us & Let's Get Started

You can reach us by phone or by email, but let's face it, it’s always easier to talk than the endless back of forth of email. So pick up that phone and call today!

Phone

914-719-6414

Email

Email us here

If your needs require it, we can also access our network of associated loan-allied businesses to create additional options for you.

All of this is accomplished through, and with, our guidance.

This is Why We Do What We Do.

Paulinho

Hartford County, CT

Bob and Property Transaction Services were very dependable. This was my first fix-and-flip. The terms were very competitive and the team was easy to work with. I would highly recommend them.

Manny W.

Binghamton, NY

I found Bob and his lending company to be a trusted partner from beginning to end. I now turn to PTS first for my investment projects.

Stephanie Jacobson

New York

Bob is a hard money lender I refer clients to often, and he's also hilarious. Bob is clear and concise, and is excellent with creative problem-solving. He'll talk with you about your project and provide different solutions, and he'll keep you laughing, too. I highly recommend giving Bob a call!