White Plains, NY · DSCR Rental Loans
DSCR Rental Loans in White Plains
Qualify your rental on the property, not your tax returns. Close in 21 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.
DSCR Rental Loans: White Plains 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 — White Plains DSCR loans
Does 818 Capital offer DSCR loans in White Plains?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout White Plains 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 White Plains?
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 White Plains neighborhoods do you lend in?
We actively finance DSCR 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 DSCR loan in White Plains?
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 White Plains
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.
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 White Plains deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.