Long Island, NY · DSCR Rental Loans
DSCR Rental Loans in Long Island
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Long Island investors choose 818
Long Island investor demand is concentrated in North Shore SFR flips, Nassau County 2–4 unit rentals, and growing STR pockets on the South Shore and East End. LI is where we have the deepest referral network — contractors, realtors, and attorneys who bring us 818 clients weekly.
Our edge here: We're based on Long Island. Our inspectors, attorneys, and title teams are local. Close in 21 days on Nassau/Suffolk deals is our norm, not our ceiling.
DSCR Rental Loans: Long Island terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Common questions — Long Island DSCR loans
Does 818 Capital offer DSCR loans in Long Island?
Yes. 818 Capital Partners arranges DSCR Rental Loans for investor properties throughout Long Island and the greater Nassau & Suffolk Counties market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Long Island?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Long Island neighborhoods do you lend in?
We actively finance DSCR loans across Glen Cove, Hempstead, Huntington, Babylon, Riverhead, Montauk, and other submarkets of Nassau & Suffolk Counties.
How fast can 818 Capital close a DSCR loan in Long Island?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Long Island
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental Loans in other markets
Ready to close your Long Island deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.