White Plains, NY · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in White Plains
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: White Plains 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 — White Plains STR loans
Does 818 Capital offer STR loans in White Plains?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout White Plains 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 White Plains?
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 White Plains neighborhoods do you lend in?
We actively finance STR 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 STR loan in White Plains?
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 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.
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.
Short-Term Rental (STR) 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.