Westchester County, NY · DSCR Rental Loans
DSCR Rental Loans in Westchester County
Qualify your rental on the property, not your tax returns. Close in 21 days.
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.
DSCR Rental Loans: Westchester County 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 — Westchester County DSCR loans
Does 818 Capital offer DSCR loans in Westchester County?
Yes. 818 Capital Partners arranges DSCR Rental Loans for investor properties throughout Westchester County and the greater Westchester County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Westchester County?
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 Westchester County neighborhoods do you lend in?
We actively finance DSCR loans across Yonkers, New Rochelle, Mount Vernon, White Plains, Port Chester, and other submarkets of Westchester County.
How fast can 818 Capital close a DSCR loan in Westchester County?
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 Westchester County
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
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental 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.