Mortava
Contact Sales
Fix & Flip · New York

Fix & flip loans in New York — fund the deal, keep your cash.

Mortava fix & flip loans in New York: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

New York is high-value downstate appreciation alongside high-yield upstate cash flow in Buffalo and Rochester. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in New York City, Buffalo, Rochester and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your New York project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance New York projects with Mortava

In a market like New York, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on New York City, Buffalo, Rochester, Albany deals and recycle capital into the next project faster.

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 fund
New York City, Buffalo, Rochester, Albany
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in New York

The same leverage that funds a New York flip funds the "buy and rehab" half of BRRRR. Renovate in New York City or Buffalo, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

New York fix & flip loan FAQ

Can I get a fix and flip loan in New York?
Yes. Mortava funds fix & flip projects across New York, including New York City, Buffalo, Rochester, Albany. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a New York flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in New York.
Do you fund first-time flippers in New York?
Yes — first-time flippers are welcome in New York with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in New York City and Buffalo?
Yes — New York City, Buffalo, Rochester, Albany and every other New York market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a New York property instead of selling it?
Yes. Many New York investors renovate with a Mortava flip loan in markets like New York City, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in MontanaFlip in NebraskaFlip in NevadaFlip in New HampshireFlip in New JerseyFlip in New MexicoFlip in North CarolinaFlip in North DakotaFlip in OhioFlip in OklahomaFlip in OregonFlip in Pennsylvania
All Fix & Flip programs → DSCR loans in New York → Instant quote & pre-qualify →
Ask Vesty