DSCR Lenders in New York
12 verified DSCR lenders serving New York real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Scottsdale, AZ
Loan Daddy LLC is a leading DSCR loan originator helping real estate investors nationwide close fast with competitive rates and no income verification. NMLS #1831233.
San Francisco, CA
One of the largest DSCR and fix-and-flip lenders in the US. Kiavi offers rental loans with rates starting at 7.00%, LTVs up to 80%, and closings in as little as 15 days. Funded over $20 billion in loans.
South Windsor, CT
Leading private lender for fix & flip, DSCR, and bridge loans nationwide.
Irvine, CA
CoreVest specializes in portfolio DSCR loans for investors with multiple properties. Blanket loans, single-asset rentals, and multifamily up to 100 units. Funded $20B+ to date.
Newark, NJ
New Jersey DSCR lender for NYC metro investors. High-value fix and flip, bridge, and rental portfolio loans. Familiar with local market.
New York, NY
New York City DSCR and bridge lender. Multifamily up to $10M, fix and flip, and STR portfolio financing for NYC-area investors.
Stamford, CT
Data-driven lender for real estate investors. Instant DSCR approvals.
Cleveland, OH
Real estate investment platform offering DSCR and bridge lending at scale.
Westlake Village, CA
Non-owner occupied specialist offering DSCR, blanket, and portfolio loans.
Baltimore, MD
Nationwide investor lender. DSCR, fix & flip, and new construction programs.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
Great Neck, NY
Real estate crowdfunding and direct lending platform for investment properties.
DSCR Loans in New York — FAQ
What is a DSCR loan and how does it work in New York?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in New York typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in New York?
Most New York DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in New York?
Typical DSCR loans in New York require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in New York?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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