Rock East Funding is a DIRECT lender for real estate investors. We specialize in providing investors hard money loans needed to purchase and renovate their properties. Family-owned and operated, we are one of the most experienced and respected lenders in the industry.


Short­-term financing for residential and commercial properties


For 1-4 Family, warrantable condos, townhomes, PUDS, mixed use, and multi-family 5+ units


Rock East Lending is a veteran hard money lender for experienced real estate investors. We know that for investors, having access to money quickly makes all the difference. Because we are direct lenders, not brokers, we are able to make decisions and get to the closing table quickly.

Completely family owned with offices in Long Island and Westchester County, NY, we have closed over 10,000 loans for our clients, aggregating more than $2 billion. Our team has more than 50 years of combined experience in lending for “fix and flips”, rental properties and commercial properties. If you are an experienced real estate investor in need of financing for a 1-4 family home, apartment building or commercial property, we can help.

Alan Haberman





Howard Haberman


Principal and Head of Revenue

Richard Haberman


Principal and Head of Underwriting


When the media needs someone who really understands the hard money business, they turn to Rock East Funding.


Rock East Funding Alternative Lending Blog

Essex County, NJ

$410,500 Fix and Flip

This seasoned investor continues to find gems in his New Jersey market. Purchased for $345,000 in October, it underwent about $100,000 in renovations. This week it sold for $650,000, netting a profit of well over $100,000.

Our loan of $410,500 helped make it happen – onto the next one.

Rockland County, NY

$267,00 Fix and Flip

We always love welcoming new investors to the Rock East Family – especially when they are referred by another satisfied client.

This new investor purchased this property for $295,000 and will invest about $60,000. Once it’s completed, it should sell for $485,000 – netting a profit of more than $75,000. Our favorite part – two days after closing he was already ready for his first construction draws.

Our loan of $267,000 helped this new investor get started on the fix and flip journey.

Luzerne County, PA

$150,000 Rental

Sometimes Rock East feels like Hotel California – you can never leave!

This seasoned investor worked with us more than 20 years ago. We were happy to reconnect at a recent convention and all these years later we were there for him once again.

As an active investor, he wanted to tap into some of his equity. So we provided a 30 year DSCR loan of $150,000 against his single family rental property, giving him some capital he needs to continue building his portfolio.

Lee County, FL

$335,000 New Construction

Yes, we do new construction!🛠️ This experienced investor bought the land for just $35,000 and needed just over $300,000 to build. Once it’s completed, this 2 bed, 2 bath will sell for around $500,000. Our loan of $335,000 will help the investor net a nice profit.

Thanks to the mortgage broker who brought us this deal because he knows we ALWAYS PROTECT.

Orange County, NY

$295,000 Fix and Flip

Hopefully this is a good foreshadowing of the Spring market.🌱. Purchased for $292,000, this single family home required only a clean up totaling around $30,000. It just sold for $440,000, netting a profit of over $50,000.

Our loan of $295,000 helped make the deal happen.

Ulster County, NY

$283,500 Fix and Flip

Welcome to the family! This new client, who heard about our unparalleled service from other investors, purchased this home for $280,000. The husband in this duo is a contractor and will invest about $60,000 in renovations. Once completed it will sell for around $440,000 – with some savings because the wife is a realtor.

Nashville, TN

$1.7 million Fix and Flip

Ever hear of loan to own, where a lender is hoping the borrower defaults so they can take the property? Here’s the opposite.

Our borrower was struggling to complete a large project, so we stepped in to help. Another client took over the project, purchasing the property for $1 million. It will take him about another $950,000 to complete it and then this nearly 4,000 sq. ft. home should sell for about $3.5 million.

Our loan of $1.7 million helped one client out of a jam, and set another on the path to a big pay day. That’s the “family” difference.

Nassau County, NY

$328,500 Fix and Flip

We love welcoming new clients to the “family”, especially when they are right in our own backyard. This client was referred by his lawyer because he needed to close quick – within 5 days – and he knew we would get it done.

Purchased for $365,000, it will undergo about $35,000 in renovations and will then go back on the market for around $540,000.

Our loan of $328,500 will help this seasoned investor net around $100,000!

Orange County, NY

$409,350 Fix and Flip

It’s a new year, but for this savvy investor it’s the same old story – another home run.

This single family home was purchased for $402,000 in July. It required less than $50,000 in renovations to get it into pristine condition and sold last week for $633,000. That’s a profit of about $100,000.

Not a bad way to kick off the New Year.

Columbia County, NY

$227,500 Fix and Flip into Rental

What a great way to start the New Year – helping a client finish up a deal we started with him last year!

When he purchased this property for $252,000, we provided a loan of $227,500 which included acquisition funding and renovation funding. With renovations completed and the three units fully rented, this week we closed on a rate-and-term 30-year fixed rate loan.

Now he’s set to maximize the cashflow!

Sussex County, NJ

$227,500 Fix and Flip into Rental

We love “full cycle” deals like this one, when we can help our clients achieve their real estate goals by using a variety of the tools in our toolbox.

We helped this client purchase and renovate this property with an “acquisition/renovation” loan of $175,000 earlier this year. After a beautiful renovation of around $125,000, we refinanced it into a 30 year, no-doc cash-flow rental loan at a rate of 7.95%.

The loan of $227,500 enabled the borrowers to get all of their cash out of the property and move on to the next one.


$602,000 Multi-Family Bridg Loan

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