Westchester County, NY · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Westchester County
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: Westchester County 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 — Westchester County STR loans
Does 818 Capital offer STR loans in Westchester County?
Yes. 818 Capital Partners arranges Short-Term Rental (STR) Loans for investor properties throughout Westchester County and the greater Westchester County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Westchester County?
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 Westchester County neighborhoods do you lend in?
We actively finance STR loans across Yonkers, New Rochelle, Mount Vernon, White Plains, Port Chester, and other submarkets of Westchester County.
How fast can 818 Capital close a STR loan in Westchester County?
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 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.
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.
Short-Term Rental (STR) 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.