DSCR Loans in New York – Fast, Flexible Financing for Real Estate Investors

New York’s real estate market is one of the most competitive in the world. From multifamily rentals in Queens and Brooklyn to mixed-use buildings in Manhattan, investors need financing solutions that move as fast as the market.

That’s where a DSCR loan in New York comes in. At 5 Borough Success, we specialize in helping investors secure Debt Service Coverage Ratio (DSCR) loans with fast approvals, flexible terms, and competitive rates.

What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is a type of investment property loan that qualifies borrowers based on property cash flow, not personal income or tax returns.

• Formula: DSCR = Net Operating Income ÷ Debt Payments

• Example: If a New York property earns $12,000/month in rent and the loan payment is $9,600/month → DSCR = 1.25.

Most lenders require a DSCR of 1.0–1.25, meaning the rental income must cover loan payments.

Why DSCR Loans Are Perfect for New York Investors

New York offers some of the best opportunities for real estate investors, but traditional banks often make it difficult to qualify. DSCR loans solve that problem by focusing on property performance instead of personal finances.

Investor Advantages in New York:

• ✅ No W2s or tax returns required.

• ✅ Works for multifamily, single-family rentals, and mixed-use properties.

• ✅ Ideal for investors with multiple properties.

• ✅ Perfect for out-of-state and international investors.

Who Qualifies for a DSCR Loan in New York?

• Real estate investors purchasing rental properties.

• Out-of-state or foreign buyers.

• LLCs or corporations acquiring investment properties.

• Experienced or first-time investors with income-producing assets.

Benefits of a DSCR Loan with 5 Borough Success

• ✅ Fast approvals – close in as little as 2–3 weeks.

• ✅ Flexible terms tailored for investors.

• ✅ Local expertise in New York’s real estate market.

• ✅ Competitive rates backed by strong lending relationships.

• ✅ Investor-friendly underwriting focused on property performance.

Where We Lend in New York

We provide DSCR loans across New York City and statewide, including:

• Queens – Astoria, Flushing, Jamaica, Ridgewood.

• Brooklyn – Williamsburg, Bushwick, Flatbush.

• Manhattan – Upper East Side, Harlem, Washington Heights.

• Bronx – Fordham, Throgs Neck, Riverdale.

• Staten Island – North Shore, South Shore, and beyond.

Whether you’re investing in multifamily properties, fix-and-hold deals, or mixed-use buildings, we’ve got you covered.

Frequently Asked Questions (FAQ)

What DSCR ratio do I need in New York?
Most lenders require a DSCR between 1.0 and 1.25, meaning rental income must cover loan payments.

Do DSCR loans work for short-term rentals (Airbnb)?
Yes, many DSCR loan programs allow short-term rentals, though terms may vary.

Can foreign investors get DSCR loans in New York?
Yes — we specialize in helping international investors finance properties in New York.

Apply for a New York DSCR Loan Today

Ready to finance your next investment property in New York? At 5 Borough Success, we make it simple to qualify and close quickly.

📞 Call us at (718) 738-5333 or fill out the form below to apply now.