Explore DSCR loans New York investors rely on. Finance or refinance rental and commercial properties with no income verification and flexible terms.
At REIF Loans, we help real estate investors across New York grow their portfolios through DSCR loans New York programs that qualify based on property income, not personal income. Whether you’re purchasing a brownstone in Brooklyn, refinancing a duplex in Buffalo, or expanding into multifamily units in Rochester, our investor-focused lending makes it simple, fast, and transparent.
Our investor mortgage New York programs emphasize flexibility and results, with no tax return requirements and loan options tailored to your property’s income performance.
A Debt Service Coverage Ratio (DSCR) loan helps investors qualify based on a property’s cash flow instead of personal or employment income. It’s ideal for investors looking to scale without traditional W-2 verification or income limits.
DSCR Formula:
DSCR = Monthly Gross Rental Income / Monthly PITIA
Example:
If your New York rental earns $4,800 per month and your combined principle, interest, taxes, insurance, and association fees is $3,840, your DSCR is 1.25, showing your property’s income exceeds its debt by 25 percent.
Most DSCR lenders in New York require a ratio of 1.00 or higher, while 1.20+ earns the best loan terms.
DSCR loans New York programs simplify qualification by focusing on property performance instead of personal income documentation.
Our advisors connect you with top DSCR lenders New York investors trust for reliable closings and competitive loan options.
At REIF Loans, we provide flexible DSCR loans New York programs that meet the diverse needs of property investors across the state.
Qualify using rental income to purchase new investment properties. Ideal for building portfolios across New York City, Syracuse, and Albany.
Lower your interest rate, cash out equity, or refinance to improve cash flow and reinvest in future opportunities.
Qualify using verified Airbnb or VRBO income. Perfect for short-term rentals in vacation areas like the Catskills, Finger Lakes, or the Hamptons.
Our commercial DSCR New York programs are tailored for multifamily, mixed-use, and small commercial properties with flexible structures and quick approvals.
DSCR loans simplify real estate financing for New York investors by focusing on a property’s ability to generate income rather than personal financials.
Our rental property loans New York specialists guide you through every step, helping you compare loan programs and find the best match for your investment strategy.
New York offers one of the most diverse real estate landscapes in the country. From high-yield rentals upstate to premium city properties, DSCR financing fits every investor profile.
Each of these regions offers excellent investment opportunities with DSCR loans New York designed for growth-focused investors.
Most lenders require a minimum DSCR of 1.00, while 1.20+ earns stronger loan terms.
Yes. Most New York DSCR lenders allow LLC or personal ownership structures.
No. DSCR loans rely solely on rental property income, not employment documentation.
Yes. Airbnb and VRBO income can be used with proper verification.
Typically, lenders require 3–6 months of PITI reserves for approval.
At REIF Loans, we specialize in DSCR loans New York programs that help investors buy, refinance, and grow their portfolios with confidence. Whether you’re purchasing a new investment property or refinancing existing assets, our team delivers fast approvals, transparent communication, and unmatched investor support.
Start financing your next New York property today with confidence.
