DSCR Loans New York

1–4 unit residential properties, $1M max loan amount, close in 14 days.

Apply Here

Call 866-461-2695

DSCR Loans in New York

DSCR Loans in New York allow investors to qualify based on property cash flow rather than personal income.

No income documentation requirements
Competitive fixed and adjustable rates
Streamlined approvals for investors

Airbnb Loans in New York

New York’s thriving short‑term rental market makes DSCR loans ideal for Airbnb hosts.

Financing tailored to nightly rental income
Flexible terms for single‑family or multi‑unit properties
Quick closings to capture market opportunities

Loan Program Comparison

Program Type	Qualification Basis	Docs Required	Closing Speed	Best For
DSCR Loans New York	Property cash flow	No income docs	Fast	Rental investors
Conventional Loans	Personal income	Full income docs	Moderate	Owner‑occupants
Hard Money Loans	Asset value	Minimal	Fast	Flippers

New York DSCR Loan FAQs

What is a DSCR loan in New York?

A loan based on property cash flow, not borrower income.

Can I use DSCR loans for Airbnb properties?

Yes, they’re designed for short‑term rental income.

Do DSCR loans require tax returns?

No, qualification is based on rental income.

What credit score is needed?

Typically mid‑600s or higher.

Are DSCR loans available statewide?

Yes, including New York City, Buffalo, Rochester, Albany, and smaller markets.

Can I finance multi‑unit properties?

Yes, up to 4 units is common.

How fast can DSCR loans close?

Often within 2–3 weeks.

Do DSCR loans work for new investors?

Yes, as long as the property cash flow meets lender requirements.

Ready to Get Funded?

Submit your deal for approval now and get a fast response from our lending team.

Submit Your Deal for Approval Now

      
 4.7
 4.7
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   
   David Switzer 
 22 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. Ken, simply put, is the man.  I was weary of using hard money on a deal that I thought would be easy to get a conventional loan for, but then 2 different banks backed out on me.  But not before they dragged me along for weeks and even months asking for more and more docs, papers, calls, emails, forms, etc.  I thought it was finally all sewn up and then the bank pulled out literally the day before the appraisal appointment. At this point I had less than a month to get an entire new purchase loan AND cash-out refinance (to pay for the new down payment), and I called Ken.  I have never in any industry in my life seen someone as responsive and proactive as Ken is.  Calls, emails, texts, he is there to help. This was a commercial deal so the appraisal part took longer than residential, but Ken's lending side was quicker than anything I've ever seen. I was beyond stressed about this deal but with Ken's help we finally closed.  I am so grateful and I cannot recommend him enough.
  
 
     Posted on Google  
   
   Cesar Felix 
 15 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. 200% recommend Ken and his team. Always responsive, knowledgeable and he gets it done. Will use him again!
  
 
     Posted on Google  
   
   Joe Slone 
 17 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. My first time working with Ken and we closed four construction loans. It was a seamless process with excellent communication throughout.
  
 
     Posted on Google  
   
   Tanya Judon-Winston 
 15 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. This is the first time I worked with Ken and it went well!  The constant communication and updates definitely made me feel at ease.
  
 
     Posted on Google  
   
   Michael Korik 
 15 September 2025
 
 
 Trustindex verifies that the original source of the review is Google. Great lender to work with. Always on top of things (even after hours). No last minute “changes.” Quick loan turnaround. Would definitely recommend.
  
 
     Posted on Google  
   
   John F 
 21 August 2024
 
 
 Trustindex verifies that the original source of the review is Google. Ken has always been there every step of the way to get my loan closed. No matter what time of the day I called, he was there. I would definitely recommend him, especially if other lenders have already said no. He’ll get it done!
  
 
     Posted on Google  
   
   Mike Stallings 
 24 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. Stellar communication. Unbelievably quick and easy process.
  
 
     Posted on Google  
   
   David Ali 
 23 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. Ken is a valuable partner in business no nonsense type whom some would call abrasive but I appreciate because he has always been straight forward rates may be a bit higher but he can close. He is my go to lender whenever I need to close a deal.
  
 
     Posted on Google  
   
   Amadou Diallo 
 16 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. The best hard money man in the universe! Fast, prompt, efficient, organized! Will get the deal done if it makes sense!
  
 
     Posted on Google  
   
   Frankies Beverage 
 15 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. Ken always goes above and beyond to help out lenders    Will continue to work with him