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Youssef Bauer Real Estate Investor Financing  ·  NY · NJ · CT
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Youssef Bauer  ·  Account Executive, Wisdom Capital

Hard Money Financing for Real Estate Investors.

Investor-focused financing throughout New York, New Jersey and Connecticut.

Short-term loans for fix-and-flip, acquisition, renovation and construction projects on investment property. Send the deal and you get a direct conversation about how it could be structured, what underwriting will look at, and what it takes to reach the closing table.

Submit a Deal Talk to Youssef
  • NY · NJ · CTTri-state investment property
  • Direct LendingWisdom Capital is the lender
  • Fix & FlipPurchase plus renovation
  • Investor FinancingNew and experienced investors
Rate
10.99%
for qualified investors
Purchase
90%
of purchase price
Renovation
100%
of hard costs
Loan size
$100K–$3M
1–14 unit residential

1-year, interest-only. Wisdom Capital program guidelines; subject to underwriting, eligibility and final approval.

Financing programs

Short-term, asset-based loans for investment property. How hard money works

Financing built around the project, not a paycheck.

Investor loans are underwritten on the property, the plan and the numbers. Each program below fits a different stage of a real estate project.

Elevation drawing of a two-family house, half renovated and half under scaffolding

Fix & Flip

Buy, renovate and resell

Financing for the purchase and, where the deal supports it, the renovation budget, released in draws as work is completed.

Fits: investors buying below after-repair value with a defined scope of work.
Line drawing of three attached brick rowhouses on navy

First-Time Investors

Financing your first project

A clear explanation of what a lender reviews when you have no track record yet, and how to present a first deal so it can be underwritten.

Fits: new investors with a property under contract or in negotiation.
Floor plan with the kitchen and bathroom hatched for renovation

Acquisition + Rehab

Purchase and renovation, financed together

Up to 90% of the purchase price plus up to 100% of hard costs, so the whole project is financed by one lender instead of stitched together.

Fits: value-add purchases for resale or to hold after stabilization.
Steel frame of a mid-rise building under construction with a tower crane

Construction

Ground-up and heavy redevelopment

Ground-up residential construction once the land is owned and the foundation is poured, with up to 100% of hard costs and same-day draws.

Fits: builders with land owned free and clear and the foundation set.

Why work with Youssef

Portrait of Youssef Bauer, Account Executive at Wisdom Capital
Youssef BauerAccount Executive, Wisdom Capital

A direct line to the person structuring your loan.

You deal with one Account Executive who works for the lender, knows how investor deals are reviewed, and tells you plainly what a deal needs.

Investor-focused

The focus is investment property: flips, value-add purchases, renovations and construction, for investors and the professionals who work with them.

Deal-oriented

Conversations start with the property, the purchase price, the scope and the exit, because that is what underwriting starts with.

Clear communication

What is needed, what could change the structure and what happens next, stated early so there are fewer surprises before closing.

Investment-property knowledge

Loan-to-cost, after-repair value, draw schedules, carrying costs and exits, explained in plain terms for new and experienced investors.

NY · NJ · CT focus

Concentrated on the tri-state market: New York City, Long Island and Westchester, and all of New Jersey and Connecticut.

Direct access

Brokers, realtors, attorneys and investors reach the Account Executive directly, not a general inbox. About Youssef

How it works

From first look to closing, in four steps.

  1. Submit the Deal

    Send the address, price, renovation budget, estimated ARV and timeline through the deal form or directly.

  2. Review the Property

    The property, the plan and the numbers are reviewed together: value, scope, exit and your experience.

  3. Structure the Financing

    Leverage, renovation draws, term and cash to close are laid out so you can see the whole picture before committing.

  4. Move Toward Closing

    Valuation, title, insurance and attorney coordination, with a $495 desktop appraisal and no on-site inspections.

Markets

Three states, one tri-state investor market.

Each state has its own housing stock, closing customs and local rules. Each state guide covers what investors should know before they buy.

Line drawing of the New York City skyline over the water

New York

One-to-four family and small multifamily investment property from the five boroughs through Long Island and Westchester.

  • NYC
  • Nassau
  • Suffolk
  • Westchester
New York guide
Line drawing of attached brick rowhouses with stoops

New Jersey

Statewide coverage, from urban two- and three-family stock in the north to suburban and shore-area flips.

  • Bergen
  • Essex
  • Hudson
  • Union
  • Middlesex
New Jersey guide
Line drawing of New England colonial houses and a church steeple

Connecticut

Statewide coverage, including Fairfield County single-family and the multifamily housing of Bridgeport, New Haven and Hartford.

  • Fairfield
  • New Haven
  • Hartford
Connecticut guide

Deal examples

Published only with closed, approved transactions and borrower permission. How case studies are written

How deals get structured.

Each case study will show the property, the challenge and the structure that solved it, with real figures from closed loans.

Template · awaiting data

Fix & flip, two-family

Market
[County, NJ]
Purchase
[$]
Renovation
[$]
Loan amount
[$]
Time to close
[days]

Challenge and structure: [add after closing]

Template · awaiting data

First-time investor purchase

Market
[County, CT]
Purchase
[$]
Renovation
[$]
Loan amount
[$]
Time to close
[days]

Challenge and structure: [add after closing]

Template · awaiting data

Acquisition + rehab, 1–4 unit

Market
[Borough / county, NY]
Purchase
[$]
Renovation
[$]
Loan amount
[$]
Time to close
[days]

Challenge and structure: [add after closing]

Investor resources

Plain-language guides and working calculators. All resources

Understand the numbers before you make the offer.

FAQ

More answers on the full FAQ.

Questions investors ask first.

Can a first-time investor get a hard money loan?

Yes. Wisdom Capital does not require a minimum number of completed flips to set leverage, and there is no minimum credit score on fix-and-flip loans. Without a track record, the focus is on the deal itself: the purchase price relative to value, a realistic renovation budget, cash reserves, and whether an experienced contractor or partner is involved. See first-time investor financing.

How much can I borrow for a fix and flip?

Wisdom Capital lends up to 90% of the purchase price and up to 100% of hard (renovation) costs, with loans from $100,000 to $3,000,000. On a $400,000 purchase with a $100,000 renovation, that is up to $460,000. Try the loan calculator with your own numbers.

Can hard money finance both the purchase and the renovation?

Often, yes. An acquisition + rehab loan funds part of the purchase at closing and holds back renovation funds, which are released in draws as work is completed and inspected.

What does a hard money lender look at?

Four things: the property and its after-repair value, the renovation plan and budget, the borrower's experience, liquidity and credit profile, and the exit (sale or refinance). The requirements guide covers each one and the documents typically requested.

Where do you lend?

New York (New York City, Long Island and Westchester), all of New Jersey, and all of Connecticut, on investment property. See the New York, New Jersey and Connecticut pages.

How long does a hard money loan take to close?

Wisdom Capital is built for time-sensitive deals: a desktop appraisal with no property access needed, no on-site inspections, and same-day draw wires. Title, the closing attorney and a complete file set the pace. See the document checklist.

Next step

Have a Deal in Mind?

Submit the property details and let’s review the financing structure.

Submit a Deal Talk to Youssef

Helpful to include

  • Property address and property type
  • Purchase price and target closing date
  • Renovation budget or scope of work
  • Estimated after-repair value (ARV) and comps
  • Your recent project experience, if any