Westchester County, NY · Ground-Up Construction Loans
Ground-Up Construction Loans in Westchester County
Fund land, build, and long-term refi in one seamless loan.
Why Westchester County investors choose 818
Westchester 2–4 unit and small multifamily is where NYC investors cash in appreciation and redeploy into cash-flow. Yonkers, New Rochelle, Mount Vernon, and White Plains each have distinct rent and price dynamics requiring tailored DSCR structures.
Our edge here: Our Westchester DSCR underwriting uses actual Zillow rent-comp data and municipal-specific tax snapshots — not national black-box averages.
Ground-Up Construction Loans: Westchester County terms
Term
12–24 month construction, converts to 30-year DSCR
Leverage
Up to 85% LTC, 70% LTV on completion
Credit minimum
680
Close time
30–45 days
Qualification
Pro-forma DSCR + sponsor build experience
Ideal for
Developers building 1–20 unit ground-up spec, BRRRR investors building instead of buying existing stock, and infill builders with approved permits.
Common questions — Westchester County construction loans
Does 818 Capital offer construction loans in Westchester County?
Yes. 818 Capital Partners arranges Ground-Up Construction Loans for investor properties throughout Westchester County and the greater Westchester County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Westchester County?
12–24 month construction, converts to 30-year DSCR. Up to 85% LTC, 70% LTV on completion. Minimum credit score 680. Typical close time: 30–45 days. Qualification: Pro-forma DSCR + sponsor build experience.
What Westchester County neighborhoods do you lend in?
We actively finance construction loans across Yonkers, New Rochelle, Mount Vernon, White Plains, Port Chester, and other submarkets of Westchester County.
How fast can 818 Capital close a construction loan in Westchester County?
Our typical close time for a Ground-Up Construction Loans is 30–45 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Westchester County
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.
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 in other markets
Ready to close your Westchester County deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.