Westchester County · White Plains, NY
Investment Property Loans in White Plains
White Plains is Westchester's commercial core and transit hub — a 35-minute Metro-North ride to Grand Central keeps rental demand deep across downtown mid-rise units and the 2–4 unit stock in Battle Hill, Fisher Hill, and the Highlands. Corporate relocations and priced-out NYC renters hold vacancy low, but purchase prices demand DSCR structures built on real municipal tax numbers, not county averages.
Our edge here: Our Westchester underwriting runs on municipal-specific tax snapshots and actual rent comps — White Plains taxes are not Yonkers taxes, and the DSCR math has to know that.
Loan programs available in White Plains
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
See White Plains terms →
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
See White Plains terms →
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
See White Plains terms →
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
See White Plains terms →
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
See White Plains terms →
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
See White Plains terms →