Best New York Investment Property Loans (DSCR Loans) - Easy Street Capital!!

[Robin Simon]

Easy Street Capital is proud to be a leading private lender for the Empire State! We offer industry leading DSCR Loans for every type of New York Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals and the BRRRR Method! Our New York DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow.

Check out the rest of this New York Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans, information on all of our loan programs, FAQs, market analysis and more!

Real Estate investors looking for returns from both cash flow and appreciation continue to love New York for investment properties. The Empire State is loved by real estate investors due to many factors including a strong diversified economy, booming population and natural beauty in the north that drives year-round visitors! Easy Street Capital is proud to be a leading provider of rental properties for real estate investors looking for loans to build rental portfolios in New York!

Types of Investment Properties

New York has lots of diverse markets and types of rental property loans to choose from in. Investment property loans can be a useful tool for real estate investors, particularly when purchasing turnkey rental properties. The term “turnkey” refers to properties that are already rental-ready and require no further renovations. Move-in ready single-family and multi-unit homes, as well as fully furnished short-term rentals, can generate both cash flow and price appreciation. Long-term DSCR loans are generally fixed rate for thirty years, allowing investors to lock in a fixed interest rate while rents and appreciation continue to increase over time. This can be a powerful way to steadily build wealth through real estate investing.

Where To Invest In Real Estate In New York

New York, often referred to as the “Empire State,” offers a diverse range of real estate investment opportunities. New York City, the state’s iconic metropolis, presents a dynamic market with various investment strategies to explore. Rochester, known for its strong cultural heritage, is a growing city in the heart of the state. Albany, the state capital, combines historical charm with modern development, creating a unique real estate landscape. Syracuse, a vibrant city between Rochester and Albany, presents an appealing market for investors seeking diverse rental opportunities. Lastly, Catskill is known for its scenic beauty and offers an ideal location for cabins with nice views. The vast array of options in New York state caters to different investor preferences and showcases the varied nature of real estate opportunities available.

New York City

New York City, the bustling metropolis and cultural hub of the United States, offers a diverse range of real estate investment opportunities. With a thriving economy and a multitude of industries such as finance, technology, and entertainment, the city provides a strong foundation for long-term rental properties. New York City’s population is around 8.3 million and continues to grow, reflecting a sustained demand for rental housing.

As a major tourist destination, New York City attracts millions of visitors each year. The city is home to iconic landmarks like Times Square, Central Park, and the Statue of Liberty, drawing in tourists from around the globe. This creates a robust market for short-term rentals and vacation properties, especially in popular neighborhoods such as Manhattan and Brooklyn. Additionally, New York City’s vibrant arts and entertainment scene, diverse culinary offerings, and countless cultural events further contribute to its allure.

Another significant aspect of New York City is its role as a global business and educational center. With prestigious universities, like NYU, renowned medical centers, and multinational corporations, the city welcomes a constant influx of students, professionals, and researchers. This presents an opportunity for medium-term rentals, investments, catering to the needs of those seeking temporary accommodation for academic or business purposes.

Investors in New York City can take advantage of the city’s steady rental market. According to the Zillow Observed Rent Index April 2024, the average market rent in New York City is $3,500 per month. The market rent in this city is up 67% than the national median, despite general market slowdown. Overall, New York City is a great place for investors to expand their portfolios and make high returns.

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Are you a Property Manager, Full-Scale Mortgage Broker (including Conventional, Non-QM) or Investor-Friendly Real Estate Agent in New York? We are looking for trusted professionals in New York to refer our investor borrowers too! Comment or DM me to discuss, and we can potentially feature you on our website!

[Robin Simon]

Recent Easy Street Capital New York DSCR Loan Fundings!

💵Just Funded💵
$88,000 Acquisition DSCR Loan on a investment duplex in Amsterdam, New York! Experienced Real Estate Professional (Realtor) and Investor with a diversified commercial/residential portfolio throughout the state squeezes one more buy in 2023! +🚪🚪

💵Just Funded💵
$185,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Bethel, New York! Bethel is a city in Upstate New York best known for hosting over 500,000 concert-goers in the 1969 "Woodstock" Music Festival!

💵Just Funded💵
$157,500 Cash-Out Refinance DSCR Loan on a SFR in Buffalo, New York! Buffalo has been cited by several experts as a top real estate investing market in 2024 - this investor stays ahead of the curve, refinancing her rental to position herself for investing in '24!

💵Just Funded💵
$98,865 Acquisition DSCR Loan on a Duplex in Niagara Falls, New York! Experienced investing group scoops up this historic 1910-vintage two-family property and should rent well and cash flow comfortably. Well located near Niagara Falls' historic 3rd Street

💵Just Funded💵🏖️Short Term Rental Loans🏖️
$765,000 Acquisition DSCR Loan on a Short Term Rental in Center Moriches, New York! This business professional adds rental property number five to her portfolio - this a nice STR in Suffolk County - projected to be a solid vacation rental drivable for many!

[Robin Simon]

More Easy Street Capital New York DSCR Loans!

💵Just Funded💵
🧊New York BRRRR Loans🧊
$172,250 Cash-Out Refinance DSCR Loan on a Single Family Rental in Watervliet, New York! Known as "The Arsenal City" - Watervliet is located in upstate New York and hidden gem market for BRRRR strategy deals like this - this 1966 vintage SFR now brought back to life

💵Just Funded💵
$614,250 Rental Property Loan (DSCR Loan) on a single family rental investment property in Yonkers, New York! Borrowers secure a low 7.375% interest rate on this fully leased rental (through December 2025) - 30-year fixed, strong cash flow (💰) locked in!

💵Just Funded💵
🏘️Multifamily DSCR Loans🏘️
$175,000 Cash-Out Refinance DSCR (Multifamily DSCR) Loan on a five-unit rental property in Watertown, New York! Prolific Empire State real estate investor takes cash out of this super-cash flowing property (2.00x DSCR) to pursue further opps!

💵Just Funded💵
$209,600 Acquisition DSCR Loan on a Single Family Rental investment property in Vestal, New York via @Zach Edelman! This property is located just six miles from downtown Binghamton and should cash flow nicely despite the big leverage (only 20% down)

💵Just Funded💵🏠Mixed Use🏨
$975,000 Mixed Use DSCR Loan on a investment property in the Bronx, New York! The first Mixed Use DSCR Loan via Easy Street Capital - this investor able to secure a 30-year fixed rate easy qualification DSCR Loan on a commercial/resi combo property!🤯

[Robin Simon]

More Easy Street Capital New York DSCR Loans!

💵Just Funded💵💰New York DSCR Loans💰
$747,750 Acquisition Rental Property Loan on a Duplex investment property in Brooklyn, New York! Bought fully leased and turnkey - investing partners add another property to a growing portfolio which should cash flow from Day 1!

💵Just Funded💵💰DSCR Loans💰
$148,500 Cash-Out Refinance Rental Property Loan on a Single Family Rental investment property in Rochester, New York! Rochester has been known as both the "Flour City" and "Flower City" for its dual role in flour production and floriculture!

💵Just Funded💵
$141,400 Cash-Out Refinance DSCR Loan on a Single Family Rental in Rochester, New York! Borrower able to secure a 7.375% DSCR Loan Interest Rate - great terms provided by Easy Street despite Cash-Out / 10-Years Interest Only / 1.07x DSCR!

💵Just Funded💵
$168,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Rochester, New York! This 1890-vintage SFR is fully rented below-market as this prolific upstate New York real estate investor provides affordable housing in Rochester!

[Robin Simon]

More New York DSCR Loans by Easy Street Capital!

💵Just Funded💵
$180,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Rochester, New York! Rochester is home to many famous annual festivals including the Rochester International Jazz Festival (June) and the Rochester Fringe Festival (September)!

💵Just Funded💵
$107,250 Rental Property Loan (New York DSCR Loan) on a Single Family Rental in Rochester, NY! Prolific northeast investor secures a DSCR Loan (30-years fixed rate, first 10 years Interest-Only, low 7.5% rate) on this 1850-vintage SFR rental property!

💵Just Funded💵
$133,600 Rental Property Loan on a Single Family Rental in Rochester, New York! This property is fully leased slightly below-market - however, property is still churning out solid cash flow (💰💰💰) with a fixed low rate (7.5%) DSCR Loan secured - 1.17x DSCR!

💵Just Funded💵
$141,000 Cash-Out Refinance Rental Property Loan (DSCR Loan) on a Single Family Rental in Rochester, New York! Rochester hosts a number of cultural festivals every year including the Lilac Festival at Highland Park (established in 1898!)

💵Just Funded💵
$120,750 Cash-Out Refinance New York Rental Property Loan (DSCR Loan) on a Single Family Rental in Rochester, New York! Rochester is home to numerous cultural institutions such as the Rochester Philharmonic Orchestra and the Geva Theatre Center!