DSCR Loans in New York City, New York

Investment property financing in New York City — qualify on rental income, not personal tax returns.

Get DSCR (Debt Service Coverage Ratio) loans for investment properties in New York City, New York. Qualify based on your rental property's income — no personal W-2s or tax returns required. Ideal for single-family rentals, small multifamily, short-term rentals (Airbnb/VRBO), and LLC-owned properties.

DSCR lenders serving New York City evaluate properties based on the gross monthly rent divided by the total monthly payment (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 or above generally qualifies, with the best rates for properties with a DSCR of 1.25 or higher.

View all New York DSCR loan markets