Where We Lend · New York

Investment Property Loans in New York

New York is 818 Capital's home market. From rent-stabilized 2–4 unit buildings in Brooklyn and the Bronx to Hudson Valley STRs and Long Island flips, we underwrite NY deals with local-rule awareness — DHCR registration, J-51, NYC rent-stabilization caps — that most national lenders miss.

Submit a New York Scenario Call (917) 993-9194

New York markets we cover

Brooklyn

Kings County

Typical investor price: $900K – $2.4M

Rent band: $2,200 – $4,800 per unit

Submarkets: Bed-Stuy, Crown Heights, East New York, Bushwick, Sunset Park

Queens

Queens County

Typical investor price: $750K – $1.8M

Rent band: $1,900 – $3,400 per unit

Submarkets: Astoria, Jackson Heights, Flushing, Ridgewood, Forest Hills

The Bronx

Bronx County

Typical investor price: $550K – $1.4M

Rent band: $1,500 – $2,600 per unit

Submarkets: Mott Haven, Fordham, Pelham Bay, Soundview, Williamsbridge

Long Island

Nassau & Suffolk Counties

Typical investor price: $500K – $1.5M

Rent band: $2,400 – $4,500 per unit

Submarkets: Glen Cove, Hempstead, Huntington, Babylon, Riverhead, Montauk

Westchester County

Typical investor price: $600K – $1.6M

Rent band: $2,100 – $3,800 per unit

Submarkets: Yonkers, New Rochelle, Mount Vernon, White Plains, Port Chester

Loan programs available across New York

DSCR Rental Loans

30-year fixed. No personal DTI. Closes on property cash flow.

Term30-year fixed, 5/1 and 7/1 ARM, interest-only availableLeverageUp to 80% LTV purchase, 75% LTV refiCredit660 (best pricing at 720+)Close21–30 days

Brooklyn →Queens →The Bronx →

Fix & Flip Loans

Up to 90% LTC. 75% ARV. 12-month terms.

Term6–18 month terms, interest-onlyLeverageUp to 90% LTC, 75% ARVCredit660Close10–21 days

Brooklyn →Queens →The Bronx →

Short-Term Rental (STR) Loans

Underwritten on AirDNA revenue, not LTR shadow rents.

Term30-year fixed, 10-year I/O, 5/1 ARMLeverageUp to 75% LTV purchaseCredit680Close25–35 days

Brooklyn →Queens →The Bronx →

Multifamily Bridge & Permanent

5+ unit properties. Bridge, value-add, and long-term.

Term2-year bridge through 30-year permanentLeverageUp to 80% LTV (agency), 75% LTC (bridge)CreditSponsor experience-driven, 680+ typicalClose45–75 days

Brooklyn →Queens →The Bronx →

Bridge Loans

Fast, flexible capital for time-sensitive acquisitions.

Term6–24 month terms, interest-onlyLeverageUp to 75% LTV, 80% LTC on value-addCredit660Close10–21 days

Brooklyn →Queens →The Bronx →

Ground-Up Construction Loans

Fund the build. Refinance into a DSCR on stabilization.

Term12–24 month construction, converts to 30-year DSCRLeverageUp to 85% LTC, 70% LTV on completionCredit680Close30–45 days

Brooklyn →Queens →The Bronx →

Ready to close your New York deal?

Submit a scenario. Real term sheet within 24 hours.

Submit Scenario Call (917) 993-9194