White Plains, NY · Bridge Loans
Bridge Loans in White Plains
Move fast when the deal demands it. Bridge in 10 days.
Why White Plains investors choose 818
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.
Bridge Loans: White Plains terms
Term
6–24 month terms, interest-only
Leverage
Up to 75% LTV, 80% LTC on value-add
Credit minimum
660
Close time
10–21 days
Qualification
Asset-based underwriting + exit strategy
Ideal for
Auction buyers, 1031 investors on a clock, value-add sponsors needing to close before starting the business plan, and investors whose equity is tied up in a pending sale.
Common questions — White Plains bridge loans
Does 818 Capital offer bridge loans in White Plains?
Yes. 818 Capital Partners is a direct private lender originating Bridge Loans for investor properties throughout White Plains and the greater Westchester County market. Move fast when the deal demands it. Bridge in 10 days.
What are typical bridge loan terms in White Plains?
6–24 month terms, interest-only. Up to 75% LTV, 80% LTC on value-add. Minimum credit score 660. Typical close time: 10–21 days. Qualification: Asset-based underwriting + exit strategy.
What White Plains neighborhoods do you lend in?
We actively finance bridge loans across Downtown White Plains, Battle Hill, Fisher Hill, Highlands, North Broadway, and other submarkets of Westchester County.
How fast can 818 Capital close a bridge loan in White Plains?
Our typical close time for a Bridge Loans is 10–21 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in White Plains
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.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Bridge Loans in other markets
Ready to close your White Plains deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.