Queens, NY · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Queens
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: Queens terms
Term
30-year fixed, 10-year I/O, 5/1 ARM
Leverage
Up to 75% LTV purchase
Credit minimum
680
Close time
25–35 days
Qualification
STR DSCR ≥ 1.0 on AirDNA or verified operating history
Ideal for
STR investors tired of lenders using LTR rent comps that kill the deal, Airbnb hosts buying their 2nd–10th property, investors in regulated STR markets (Nashville, Austin, Orlando) who need a lender that understands the rule set.
Common questions — Queens STR loans
Does 818 Capital offer STR loans in Queens?
Yes. 818 Capital Partners arranges Short-Term Rental (STR) Loans for investor properties throughout Queens and the greater Queens County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Queens?
30-year fixed, 10-year I/O, 5/1 ARM. Up to 75% LTV purchase. Minimum credit score 680. Typical close time: 25–35 days. Qualification: STR DSCR ≥ 1.0 on AirDNA or verified operating history.
What Queens neighborhoods do you lend in?
We actively finance STR loans across Astoria, Jackson Heights, Flushing, Ridgewood, Forest Hills, and other submarkets of Queens County.
How fast can 818 Capital close a STR loan in Queens?
Our typical close time for a Short-Term Rental (STR) Loans is 25–35 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Queens
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
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.
Short-Term Rental (STR) 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.