Built for NY portfolio investors. Funded $131M across 189 NY loans. Average cash-out: $377K. Brooklyn 3-flats, Queens 2-families, Manhattan condos, Long Island portfolios. Independent broker shopping 50+ wholesale lenders.
Investment property only · No impact to credit score
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Most lenders only show you their own product. We're a broker — meaning we shop your scenario across 50+ wholesale DSCR programs to find the one that actually fits your deal.
Our typical NY borrower pulls $377K cash-out from a Brooklyn or Queens property and rolls it into the next deal. Up to 80% LTV on cash-out refi. 46% of our NY funded volume is cash-out.
Brooklyn 3-flats, Queens 2-families, Bronx walk-ups — NYC's signature multifamily inventory. Avg NY loan: $697K. Up to 85% LTV on 2-4 unit purchase. Co-ops case-by-case.
Investors with 5+ properties get streamlined underwriting. No 10-property cap. Multiple files at once. Tailored to repeat borrowers building NY rental portfolios.
NYC is the #1 US foreign-national investor market. We have programs for Asian, European, Latin American capital. Up to 70% LTV without US tax returns or SSN.
Our funded data shows 14-day closes are real. No surprises, no last-minute condition adds, no rate-lock drama. NY deals move — we move with them.
We shop your file across 50+ wholesale DSCR programs. Direct lenders are stuck with one rate sheet. We pivot to the lender who actually fits your scenario.
From Houston's investor-heavy submarkets to Austin's STR scene, we close DSCR loans on single-family rentals, 2–4 unit properties, and condos statewide.
| 2026 New York DSCR Program Overview | |
|---|---|
| Loan amount | $100,000 – $5,000,000 (jumbo programs for $1M+ files) |
| Maximum LTV | Up to 85% (purchase), 80% (cash-out refi) |
| Interest rate | From 5.99% (rate depends on credit, LTV, DSCR ratio) |
| Minimum DSCR | 1.0 standard · No-ratio + DSCR-as-low-as-0.75 available |
| Minimum credit score | 620 FICO |
| Income documentation | None required — qualify on rental income only |
| Eligible property types | SFR, 2-4 unit multifamily, condos, condotels, PUDs. Co-ops case-by-case (NYC programs). |
| Eligible borrowers | US citizens, permanent residents, foreign nationals (large NY investor base) |
| Term | 30-year fixed, 5/1 ARM, 7/1 ARM, interest-only available |
| Pre-payment penalty | 3-5 year step-down typical (waivable for fee) |
| Time to close | 14–21 days for most files |
Rates and terms subject to change without notice. Final terms determined at underwriting. Brokered by United Trust Mortgage, NMLS #2591548. Loan products offered through participating wholesale lenders. Restrictions apply. Investment property loans for business purposes only. Equal Housing Opportunity.