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 on purchase at the top tier (740 FICO); higher scores unlock higher LTV
- Credit scores from 640 — cash-out available at 660+
- 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
- Declining-market cap: maximum 75% LTV for purchase and 70% LTV for refinance. Standard DSCR loan amounts (up to $3.5M) still apply.
- 2–4 unit properties are ineligible for DSCR.
New York DSCR max LTV by credit score
Your maximum loan-to-value is set by your credit score, loan size, and the property’s debt-service coverage ratio (DSCR). These are the purchase tiers for a DSCR of 1.00 or higher.
New York declining-market cap: purchase LTV is limited to 75% and refinance to 70%, regardless of the tiers below. Standard loan amounts up to $3.5M still apply.
| Credit score | Max purchase LTV | Notes |
|---|---|---|
| 740+ | 80% | to $2.5M · cash-out to 80% |
| 720 | 80% | to $1.5M · cash-out to 80% |
| 700 | 80% | to $1.5M · 70% to $3.5M |
| 660 | 75% | cash-out to 70% |
| 640 | 75% | to $1M · no cash-out |
Rate/term and cash-out LTVs are lower than purchase. Loans under $150,000 cap at 70% purchase / 65% refinance. Short-term rentals are eligible up to 80% LTV on purchase. Final terms are subject to full underwriting.
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, and cash-out refinances require a minimum 660 score.
What is the maximum LTV for a DSCR loan in New York?
In New York, DSCR purchase LTV is capped at 75% (70% for refinance) under TQL's declining-market guideline. Standard loan amounts up to $3.5M still apply, and your maximum LTV also depends on credit score, loan size, and DSCR.
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.
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