Queens, NY · DSCR Rental Loans
DSCR Rental Loans in Queens
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Queens investors choose 818
Queens remains the last NYC borough where 2–4 unit investor deals pencil at scale — Astoria, Jackson Heights, Elmhurst, and Flushing all show 5.5–7%+ gross yields. The catch: mixed-use properties (storefront + residential) require a lender who underwrites both the commercial NOI and the residential DSCR correctly.
Our edge here: Queens mixed-use and 5–9 unit deals are our sweet spot. We blend DSCR and small-balance multifamily products when traditional lenders can't.
DSCR Rental Loans: Queens 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 — Queens DSCR loans
Does 818 Capital offer DSCR loans in Queens?
Yes. 818 Capital Partners arranges DSCR Rental Loans for investor properties throughout Queens and the greater Queens County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Queens?
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 Queens neighborhoods do you lend in?
We actively finance DSCR loans across Astoria, Jackson Heights, Flushing, Ridgewood, Forest Hills, and other submarkets of Queens County.
How fast can 818 Capital close a DSCR loan in Queens?
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 Queens
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 Queens deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.