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DSCR Rental Loans · New York

DSCR rental loans in New York — qualify on the rent.

Mortava DSCR loans in New York: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

New York is high-value downstate appreciation alongside high-yield upstate cash flow in Buffalo and Rochester. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in New York City, Buffalo, Rochester and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live New York term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance New York rentals with Mortava

DSCR loans let New York investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across New York City, Buffalo, Rochester, Albany.

New York is really two markets: downstate equity plays at high price points, and upstate yield in Buffalo and Rochester where rent-to-price ratios rival the Midwest. Rent-based underwriting works on both ends.

Top metros we lend in
New York City, Buffalo, Rochester, Albany
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

BRRRR in New York

Markets like New York City and Buffalo are natural BRRRR territory: buy below market, renovate, rent, then refinance into a long-term DSCR loan at the new value. The DSCR cash-out refi (up to 80% CLTV) is the "refinance" step — our BRRRR method guide walks through the full cycle.

Guidelines reviewed July 2026 by the Mortava lending team.

New York DSCR loan FAQ

Can I get a DSCR loan in New York?
Yes. Mortava lends on investment properties across New York, including New York City, Buffalo, Rochester, Albany. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in New York without W-2s or DTI.
What credit score do I need for a New York DSCR loan?
Most New York DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a New York DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in New York.
Do you lend on rentals in New York City and Buffalo?
Yes — Mortava lends across New York City, Buffalo, Rochester, Albany and every other New York market. DSCR loans are sized on each property's rent, so a New York City duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a New York rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like New York City — not your personal income or where you live — so out-of-state investors close New York DSCR loans routinely.
DSCR rental loans by state
DSCR in MontanaDSCR in NebraskaDSCR in NevadaDSCR in New HampshireDSCR in New JerseyDSCR in New MexicoDSCR in North CarolinaDSCR in North DakotaDSCR in OhioDSCR in OklahomaDSCR in OregonDSCR in Pennsylvania
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