Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Commercial DSCR Investor Deal Desk

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New York (NY) Wholesale Lender Directory · Judicial (RPAPL Article 13) Foreclosure

New York (NY) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in New York (NY) on XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals. Underwritten to New York's Judicial (RPAPL Article 13) statutory framework (240–360 days-day average timeline), 1.64% average property tax rate, and $580/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — New York (NY) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in New York LLC or Delaware LLC.

Match My NY Deal →Compare NY Shelves

Active Wholesale Loan Programs in New York (NY)

New York DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
New York Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
New York Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
New York Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
New York Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
New York Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
New York Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
New York Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
New York Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
New York Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

New York County-Level Tax & Insurance Underwriting Hubs (5)

Kings County (Brooklyn), NY
Kings County (Brooklyn), NY · 0.88% Tax
Queens County, NY
Queens County, NY · 0.91% Tax
Nassau County, NY
Nassau County, NY · 2.24% Tax
Suffolk County, NY
Suffolk County, NY · 2.08% Tax
Erie County (Buffalo), NY
Erie County (Buffalo), NY · 2.15% Tax

Top New York Rental Markets

New York, NYBuffalo, NYRochester, NYYonkers, NYSyracuse, NYAlbany, NYNew Rochelle, NYMount Vernon, NYSchenectady, NYUtica, NYWhite Plains, NYHempstead, NY
Best New York (NY) DSCR & Private Money Lenders (2026) | XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals