Staten Island, NY · DSCR Rental Loans
DSCR Rental Loans in Staten Island
Qualify your rental on the property, not your tax returns. Close in 21 days.
Why Staten Island investors choose 818
Staten Island is the last NYC borough where 2–4 unit deals regularly clear at under $1M. North Shore corridors — St. George, Stapleton, Port Richmond — pair ferry and SIR access with genuine value-add stock, while the South Shore runs deeper into SFR rental territory. Most of the 1–4 unit inventory sits outside rent stabilization, which keeps DSCR underwriting cleaner than in Brooklyn or the Bronx.
Our edge here: NYC-borough expertise without the stabilization drag — we underwrite Staten Island 2–4 units on straight market rents and close on NYC title timelines.
DSCR Rental Loans: Staten 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 — Staten Island DSCR loans
Does 818 Capital offer DSCR loans in Staten Island?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Staten Island and the greater Richmond County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Staten 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 Staten Island neighborhoods do you lend in?
We actively finance DSCR loans across St. George, Stapleton, Port Richmond, New Dorp, Tottenville, and other submarkets of Richmond County.
How fast can 818 Capital close a DSCR loan in Staten 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 Staten 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.
Apartment & Multifamily Loans
5+ unit apartment buildings. 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 Staten Island deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.