White Plains, NY · Apartment & Multifamily Loans
Apartment & Multifamily Loans in White Plains
5+ unit deals need a lender who's closed them. We have.
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.
Apartment & Multifamily Loans: White Plains 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 — White Plains apartment loans
Does 818 Capital offer apartment loans in White Plains?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout White Plains 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 White Plains?
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 White Plains neighborhoods do you lend in?
We actively finance apartment 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 apartment loan in White Plains?
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 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.
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 White Plains deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.