Residential investment financing across New York’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.
New York's real estate market spans from Manhattan's elite institutional territory to upstate secondary markets. NYC's $650,000+ median reflects global capital concentration, while Buffalo, Rochester, and Albany offer value-add entry points. State income tax (6.85% top rate) and high property taxes (1.7%+) limit DSCR cash-flow appeal but favor bridge and refinance strategies.
New York's robust construction activity, strong professional employment, and institutional depth support complex residential development. For operators with sophisticated capital structures and refinance expertise, New York offers substantial leverage and velocity opportunities outside the five NYC boroughs (NYC is currently outside our lending footprint; we actively lend across the rest of New York State).
We lend across New York’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.
Every loan program we offer is available to qualified borrowers and properties in New York.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreLong Island's North Shore and Westchester's established suburbs command premium exit pricing but require disciplined acquisition. Bridge finance supports purchase and light-to-heavy rehab on 1-4 unit residential. Rehab-to-refi or rehab-to-sale exits, typically 12-18 month hold.
Buffalo's lower cost basis ($120K–$180K) and ongoing revitalization create opportunities. Bridge finance acquisition and value-add. 10–15 month repositioning. Exit into refinance or institutional sale.
Rochester, Syracuse, and Albany offer lower entry ($100K–$160K per unit) with strong value-add conversion opportunity. Finance commercial-to-residential and industrial-to-loft projects where the stabilized exit is 100% residential rental. Federal opportunity zones enhance returns.
Our team has deep experience financing residential projects across New York. Reach out to discuss your next deal.
Apply Now →