Staten Island, NY · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Staten Island
5+ unit deals need a lender who's closed them. We have.
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.
Apartment & Multifamily Loans: Staten Island terms
Term
2-year bridge through 30-year permanent
Leverage
Up to 80% LTV (agency), 75% LTC (bridge)
Credit minimum
Sponsor experience-driven, 680+ typical
Close time
45–75 days
Qualification
Property NOI + sponsor track record
Ideal for
Small multifamily investors stepping up from 2–4 unit, syndicators raising capital who need a reliable debt quote, 1031 exchange buyers targeting multifamily, and bridge-to-perm rehab plays.
Common questions — Staten Island apartment loans
Does 818 Capital offer apartment loans in Staten Island?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Staten Island and the greater Richmond County market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Staten Island?
2-year bridge through 30-year permanent. Up to 80% LTV (agency), 75% LTC (bridge). Minimum credit score Sponsor experience-driven, 680+ typical. Typical close time: 45–75 days. Qualification: Property NOI + sponsor track record.
What Staten Island neighborhoods do you lend in?
We actively finance apartment loans across St. George, Stapleton, Port Richmond, New Dorp, Tottenville, and other submarkets of Richmond County.
How fast can 818 Capital close a apartment loan in Staten Island?
Our typical close time for a Apartment & Multifamily Loans is 45–75 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Staten Island
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.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Apartment & Multifamily 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.