Staten Island, NY · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Staten Island
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: Staten Island 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 — Staten Island STR loans
Does 818 Capital offer STR loans in Staten Island?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout Staten Island and the greater Richmond County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Staten Island?
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 Staten Island neighborhoods do you lend in?
We actively finance STR loans across St. George, Stapleton, Port Richmond, New Dorp, Tottenville, and other submarkets of Richmond County.
How fast can 818 Capital close a STR loan in Staten Island?
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 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.
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.
Short-Term Rental (STR) 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.