Private DSCR Lender in New York
DSCR Loans in New York
Total Quality Lending finances real estate investors across New York with DSCR loans that qualify on the property’s rental cash flow — not your personal income. Up to 75% LTV, credit scores from 640, and loan amounts to $3.5M.
- Max LTV
- 75%
- Min credit score
- 640
- Loan amounts
- $100K–$3.5M
- Income docs
- None
Why investors choose DSCR loans in New York
A DSCR loan lets you scale a rental portfolio in New York without the income hurdles of conventional financing. Approval is based on whether the property pays for itself.
- Qualify on the property’s rental cash flow — no personal income, W-2s, or tax returns
- Up to 80% LTV for purchase, rate/term, and cash-out
- Credit scores from 640
- Loan amounts from $100,000 to $3,500,000
- Short-term rentals (Airbnb, VRBO, FlipKey) eligible up to 80% LTV on purchase
- First-time investors eligible (restrictions apply)
New York DSCR program at a glance
- Maximum LTV
- 75% (purchase)
- Minimum credit score
- 640
- Loan amounts
- $100K – $3.5M
- Occupancy
- Investment only
- Loan purposes
- Purchase, Rate/term refinance, Cash-out refinance
Available terms
- 15-, 30-, and 40-year fixed
- 5/6, 7/6 & 10/6 ARMs (30-year term)
- Interest-only options (680+ credit score)
Eligible property types
- Single-family (attached & detached)
- 2–4 unit properties
- Condominiums & condo-hotels
- Rural properties (up to 5 acres)
New York DSCR guidelines to know
- State overlay: maximum 75% LTV for purchase and 70% LTV for refinance, with a maximum loan amount of $2.0M.
- 2–4 unit properties are ineligible for DSCR.
Short-term rental (Airbnb & VRBO) loans in New York
Running a short-term rental in New York? DSCR financing works for Airbnb, VRBO, and FlipKey properties too. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase — so your nightly cash flow can power your next acquisition.
New York DSCR loan FAQs
Can I get a DSCR loan in New York?
Yes. Total Quality Lending provides DSCR loans throughout New York for real estate investors. DSCR (Debt-Service Coverage Ratio) loans qualify on the property's rental cash flow rather than your personal income — no W-2s or tax returns required.
What credit score do I need for a DSCR loan in New York?
DSCR loans in New York are available with credit scores starting at 640. Higher scores unlock higher LTVs and larger loan amounts.
What is the maximum LTV for a DSCR loan in New York?
In New York, DSCR loans are available up to 75% LTV for purchases and 70% LTV for refinances, with a maximum loan amount of $2.0M under the current New York state overlay.
Can I use short-term rental (Airbnb) income to qualify in New York?
Yes. Short-term rentals (Airbnb, VRBO, FlipKey) are eligible in New York. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase.
How much can I borrow with a DSCR loan in New York?
DSCR loan amounts in New York range from $100K to $3.5M, available for single-family, 2–4 unit, condominium, and eligible rural investment properties.
Ready to finance your New York investment property?
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