Westchester County, NY · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Westchester County
5+ unit deals need a lender who's closed them. We have.
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.
Apartment & Multifamily Loans: Westchester County 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 — Westchester County apartment loans
Does 818 Capital offer apartment loans in Westchester County?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Westchester County and the greater Westchester County market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Westchester County?
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 Westchester County neighborhoods do you lend in?
We actively finance apartment loans across Yonkers, New Rochelle, Mount Vernon, White Plains, Port Chester, and other submarkets of Westchester County.
How fast can 818 Capital close a apartment loan in Westchester County?
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 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.
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 Westchester County deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.