DSCR Loans New York
Finance a rental anywhere in New York on the property’s cash flow – not your income. New York is a high-rent market spanning NYC scale and deep upstate cash flow. We lend statewide with rates from 5.75%, up to 85% LTV, and DSCR from 0.75x – no tax returns or W-2s.
- Qualify on the property’s rent – no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- Statewide: New York City, Buffalo, Rochester, Syracuse, and Albany
- SFR, Condo, 2-4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
New York DSCR Loans – Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property’s rent / payment (DSCR), not your personal income.
- Market: New York statewide – balanced cash flow & appreciation.
- Max LTV: Up to 85% (purchase) · 75-80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720-780+). Rates: from 5.75%.
- Closing: as fast as 14 days. Vesting personal, LLC, or entity – foreign nationals eligible.
- Lender: CambridgeHomeLoan.com – direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in New York
What is a DSCR loan in New York?
A New York DSCR loan is an investment-property mortgage that qualifies on the property’s rental income – gross rent divided by full PITIA – instead of your personal income. With a statewide median home value near $487,737 and median rent around $2,464, New York is a high-rent market spanning NYC scale and deep upstate cash flow. We lend up to 85% LTV, accept DSCRs as low as 0.75x, and vest in an LLC or entity with no cap on financed properties.
| Qualifies on | The property’s rent / PITIA (DSCR) – no personal income |
| Rates from | 5.75% (Tier 1; see rate table below) |
| Max LTV | Up to 85% (purchase) · 75-80% cash-out |
| Min DSCR | From 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720-780+) |
| Vesting | Personal or LLC · foreign nationals eligible · no property cap |
| Coverage | All of New York – statewide |
How we compare
CambridgeHomeLoan vs. top national DSCR lenders
New York investors shop DSCR on leverage, credit access, loan size, and cost. Here is how our program compares with the terms commonly advertised by the leading national DSCR lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National DSCR Lender 1 | Top National DSCR Lender 2 |
|---|---|---|---|
| Rates from | 5.75% | ~6.13% | ~7.49% |
| Max LTV (purchase) | Up to 85% | 80% (85% only 740+ FICO, ≤$1M) | 80% (65-70% at 620-679 FICO) |
| Min DSCR | From 0.75x | From 0.75x | From 0.75x |
| Min FICO | 620 | 620 | 640 |
| Max loan amount | $20M+ | Up to $5M | Up to $3.5M |
| Foreign nationals | Yes – LLC, entity & foreign nationals | Limited | Limited |
| Prepay penalty | Flexible options | 0-5 yr | Varies |
| Fastest closing | As fast as 14 days | Varies | 14-21 days |
| Model | Direct lender since 1998 | Direct lender | Direct lender / fund |
“Top National DSCR Lender 1” and “Lender 2” are generic composites of terms commonly advertised across the national DSCR market as of July 2026 – not any single lender, and subject to change. For general comparison only.
New York market data
New York rental market at a glance (2026)
Representative 2026 statewide indicators for underwriting context – confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median home value (2026) | ~$487,737 (Zillow) |
| Median rent (2026) | ~$2,464/mo (RentCafe / market) |
| Property tax | ~1.73% effective (state average) |
| Top investor metros | New York City, Buffalo, Rochester, Syracuse |
| Investor profile | balanced cash flow and appreciation |
New York by the numbers (2026)
- Profile: New York is a high-rent market spanning NYC scale and deep upstate cash flow.
- Where it pencils: NYC’s boroughs command the highest rents in the state; Buffalo, Rochester, and Syracuse offer some of the best rent-to-price in the Northeast for cash flow.
- DSCR access: we qualify New York rentals on rent alone – up to 85% LTV, DSCR from 0.75x, 620 FICO, $20M+ capacity.
Sources: Zillow median home value and RentCafe / World Population Review rent data, 2025-2026; property-tax averages per Tax Foundation. Estimates for illustration; confirmed per property by a Form 1007 appraisal and a real insurance quote.
Where to invest
Top New York cities for DSCR investors
New York’s strongest rental markets include New York City, Buffalo, Rochester, Syracuse, and Albany. NYC’s boroughs command the highest rents in the state; Buffalo, Rochester, and Syracuse offer some of the best rent-to-price in the Northeast for cash flow. We lend in every one of them – and everywhere else in New York.
Free tool
New York rent & DSCR calculator
Enter the property’s monthly rent, your loan, and carrying costs to estimate your DSCR (rent / PITIA) and monthly cash flow. Defaults reflect New York statewide medians. Illustrative only – final DSCR uses the appraiser’s Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (New York)
Illustrative only; not a rate quote or commitment to lend. Statewide medians vary widely by city and property – we confirm rent with a Form 1007.
Rates
New York DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% – strongest pricing |
| Tier 2 (720-779, ≤75% LTV) | ~6.25-7.00% |
| Tier 3 (660-719, ≤80% LTV) | ~7.00-7.75% |
| Tier 4 (620-659, up to 85% LTV) | ~7.75-8.50% |
Illustrative tiers, subject to change and underwriting; DSCR ratio, property type, and reserves also affect pricing. Not a rate quote.
Requirements
New York DSCR loan requirements
| Down payment | Typically 20-25% (purchase) |
| Credit | 620+ FICO; best pricing at 720-780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3-6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
New York DSCR loan FAQ
Why invest in New York with a DSCR loan?
New York is a high-rent market spanning NYC scale and deep upstate cash flow. A DSCR loan lets you finance these rentals on the property’s income – no tax returns or W-2s – so you can scale across New York City and beyond without income caps.
Which New York cities cash-flow best for DSCR?
Our most-financed New York markets include New York City, Buffalo, Rochester, Syracuse, and Albany. NYC’s boroughs command the highest rents in the state; Buffalo, Rochester, and Syracuse offer some of the best rent-to-price in the Northeast for cash flow.
What are the DSCR loan requirements in New York?
620+ FICO (best pricing 720-780+), DSCR from 0.75x, up to 85% LTV on purchase and 75-80% cash-out, typically 20-25% down. We qualify on the property’s rent via a Form 1007 – no tax returns or W-2s.
Can I close in an LLC or as a foreign national in New York?
Yes. We vest in your name, an LLC, or an entity with no cap on the number of financed properties, and we lend to foreign national investors on New York rentals.
Keep exploring
Related New York & national investor loans
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only and are not available for primary residences. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rate shown “from 5.75%” reflects the lowest advertised tier for the strongest borrower profiles and is not a rate quote or commitment to lend. State market figures are third-party estimates for illustration only and are confirmed by a Form 1007 appraisal on your specific property. Comparison columns are generic market composites and are not the terms of, or an endorsement of or by, any specific lender. This page is informational and does not constitute financial, legal, tax, or investment advice.
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