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$2B+ Funded

Fund Your Next Fix and Flip Loan in New York

Fast, flexible financing for New York real estate investors. One team handles your deal from approval to final draw, with no surprises at closing and no delays when your contractor needs to get paid. The capital, continuity, and certainty to grow from your first flip to your 100th.

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7 Days
As Fast as 7-Day Close
92.5%
Up to 92.5% LTC
90%
Up to 90% LTPP
Balance Sheet Lender
In-House, Start to Finish
NY Lender Since 2017
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Why Stormfield

Built for New York Fix and Flip Investors

Deep New York Roots.

New York is a judicial foreclosure state, and that complexity shapes how every deal here gets underwritten. Stormfield has lent across New York since 2017. That history is what lets a borrower hand us a complicated deal and hear a fast yes.

Digital Speed, Real Support.

Get an instant quote in minutes. Stormfield built the platform to remove administrative friction, not to replace the relationship. From first quote to final draw, you have direct access to the people making decisions.

One Team. No Handoffs.

Stormfield underwrites, funds, and services every loan in-house. Submit draw requests through the platform and hear back from the team that already knows your project. No loan sales, no third-party servicer, no new contact when your renovation is halfway done.

Program Terms

Fix & Flip Loan Overview

What you can borrow on a New York fix and flip, at a glance. For the full program, see the Fix & Flip program page.

New York is the kind of market many lenders avoid. It is a judicial foreclosure state with rules that shift by county and by city, and that complexity keeps a lot of capital out. Stormfield has structured loans here long enough to underwrite that complexity with confidence. Every loan stays on Stormfield's own balance sheet, and the same team that underwrites your deal funds it, services it, and manages your draws through payoff, whether your project is a Capital Region foreclosure, a Long Island single-family, or a luxury renovation on the East End.

Fix and flip renovation project
Loan Amounts
$150K to $5M+
Loan-to-Cost
Up to 92.5%
Loan-to-ARV
Up to 70%
Closing Speed
7 to 10 Days
Property Types
Single Family, 2 to 4 Unit, Townhomes, Condos
Eligible
  • Borrowers applying through an entity (LLC or Corporation)
  • Non-owner occupied investment properties (SFR, condos, townhomes, 2–4 unit multifamily, ADUs)
  • First-time and experienced investors (must show liquidity)
  • Properties in livable condition (may be vacant or occupied)
  • Borrowers with sufficient liquidity to cover down payment, reserves, and interest carry
  • No minimum FICO score
Not Eligible
  • Individuals applying for owner-occupied primary residences
  • Vacant land or land development projects
  • Churches, restaurants, or special-use commercial properties
  • Pre-development or horizontal development projects
  • Any deal where Stormfield cannot hold 1st lien position
Full Program Terms Get an Instant Quote
Track Record

Recent New York Fix & Flip Projects

From the Capital Region to the East End, these are a sample of fix and flip loans Stormfield has closed across New York. The range in deal size and property type reflects the breadth of what we fund, not the limits of it.

Saratoga Springs, NY Fix & Flip
$650,000
65% LTV 12 Month Term

An investor purchased a property from a foreclosure auction requiring expedited fix and flip financing. Stormfield provided the capital quickly to meet the time-sensitive acquisition deadline.

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Bridgehampton, NY Fix & Flip
$2,500,850
65% LTV 12 Month Term

Full gut renovation and addition on a luxury single-family property in Bridgehampton, funded for a repeat Stormfield borrower with a building permit already in hand at closing.

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Wantagh, NY Fix & Flip
$350,000
65% LTV 12 Month Term

A repeat borrower requested a cash-out loan on an in-progress fix and flip project in Wantagh. Stormfield provided the refinance capital to fund continued renovations.

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East Northport, NY Fix & Flip
$682,000
65% LTV 12 Month Term

Experienced investor acquired and renovated a single-family home on Long Island, funded from acquisition through final rehab draw on a 12-month term.

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East Hampton, NY Fix & Flip
$1,250,000
63% LTV 12 Month Term

Investor acquired and renovated a large single-family home in the Hamptons, with acquisition and full renovation funded on a 12-month term at 63% LTV.

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Smithtown, NY Fix & Flip
$435,000
59% LTV 12 Month Term

Experienced investor acquired and renovated a single-family home in Smithtown on Long Island, funded from acquisition through final rehab draw on a 12-month term.

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FAQ

Common Questions About Fix & Flip Loans in New York

New York is one of the more complex states to lend in, and the right lender fit matters. The questions below cover the market, the process, and what to expect.

Will Stormfield fund a deal like mine in New York?
Stormfield funds single-family, 2 to 4 unit, townhome, and condo fix and flip projects across New York, on loans from the low six figures to several million. Deal types range from foreclosure acquisitions and value-add renovations upstate to single-family rehabs on Long Island and luxury renovations on the East End. If your project falls outside what is shown in the funded transactions, that reflects deal mix rather than a hard restriction. Contact the team directly to talk through your specific deal.
Does Stormfield lend in New York City and the boroughs?
Yes. Stormfield is active across the five boroughs, and understands the 2026 City of Yes reforms that now let many 1- and 2-family lots add a legal accessory dwelling unit. We finance the acquisition and the renovation; you capture the resale premium that a legal second unit can command.
How fast can Stormfield close a fix and flip loan in New York?
Submit a prequalification and get a term sheet instantly. Most transactions close within 7 to 10 business days of a complete application, and faster when your file is ready. In upstate markets where homes sell in under a month, and on Long Island where good deals move immediately, that speed is what wins the property.
How are my renovation draws handled?
Draw requests are processed by the same in-house team that underwrote and closed your loan. No third-party servicer, no handoff, and consistent turnaround from the first draw through the last. For full details on the draw process and loan servicing, see the loan servicing page.
What does New York's 90-day rule mean for me?
Since mid-2025, large institutional buyers cannot bid on most 1- and 2-family homes until they have been listed for 90 days, clearing the field for local investors on the most common fix and flip property type. Stormfield can fund you fast enough to move while the institutions are still legally sidelined. For a full breakdown of how this and other 2026 market dynamics affect New York investors, see the New York fix and flip guide.
I'm a broker. Will you protect my client relationship?
Yes. Your client stays your client. Stormfield closes on time, keeps you in the loop directly throughout, and never cross-sells or resells the loan. Every deal you place with us protects your reputation and your relationship. If you are not already part of the program, learn more and join the Stormfield Broker Program.

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