New York Investment Property Loans

Investment property loans across New York. Rental, commercial, and multifamily financing in NYC, Brooklyn, Queens, Long Island, Buffalo, Rochester, and statewide. No minimum credit score, no income docs. Same-day approval. Close in 13 days. Direct private lender since 2001. $150K-$5M.

New York Loan Programs

Markets We Serve in New York

We finance investment properties throughout New York, including NYC, Brooklyn, Queens, Long Island, Buffalo, Rochester, and statewide. Whether you are acquiring your first rental property or scaling a portfolio, our direct lending approach gives you speed and certainty that banks and DSCR lenders cannot match.

New York Investment Property Loan FAQ

What types of investment properties do you finance in New York?
We finance 1-4 unit residential investment properties, multifamily buildings, mixed-use properties, and commercial real estate throughout New York, including New York City, Brooklyn, Queens, Buffalo, Rochester. As a direct private lender since 2001, we focus on property value and equity rather than borrower income.
Do I need income documentation for a rental property loan in New York?
No. For 1-4 unit residential investment properties in New York, we do not require income verification, tax returns, or W-2s. Our underwriting focuses on the property's value and your equity position, not personal income documentation.
How fast can I close on an investment property in New York?
Most investment property loans in New York close in 13 days. We issue term sheets within 1 hour and our streamlined process eliminates traditional bank delays. Our in-house underwriting means no committee approvals.
What is the maximum LTV for investment property loans in New York?
We offer up to 75% LTV on purchases and refinances for New York investment properties. With seller carry financing, combined CLTV can reach up to 90%, giving experienced investors maximum leverage.
Do you require DSCR calculations for New York rental properties?
No. For 1-4 unit residential properties in New York, we do not require DSCR (Debt Service Coverage Ratio) calculations. We evaluate deals based on property value and borrower equity. Commercial properties above $500K may require DSCR analysis.
What are your loan terms for New York investment properties?
We offer flexible terms from 6 months (bridge loans) to 30 years (fixed-rate rental loans) for New York investment properties. Loan amounts range from $150K to $5M depending on property type, location, leverage, and deal structure within New York City, Brooklyn, Queens, Buffalo, Rochester.

Get Your Same-Day Term Sheet

Call (800) 805-3391 or request a quote online.

Direct private lender since 2001. Private capital. Direct decisions. No middlemen.

We finance investment properties in 44 states (excluding AZ, MN, ND, NV, SD, VT).