Investment property financing built for New York
New York is one of the deepest and most competitive real-estate markets in the country, and New City Financial helps investors move on deals without the paperwork drag of a bank. We provide business-purpose financing on rental, multifamily, and commercial property across the state — from the five boroughs of New York City and the Long Island suburbs (Nassau and Suffolk) to Westchester, the Hudson Valley, and the upstate markets of Buffalo, Rochester, Syracuse, and Albany.
Because we qualify the loan on the property’s cash flow instead of your tax returns, our programs suit the realities of New York investing: LLC-titled assets, self-employed and portfolio owners, and out-of-state buyers chasing the lower basis Upstate. Whether you’re refinancing a Brooklyn mixed-use building, acquiring workforce apartments in Buffalo, or buying last-mile industrial in Queens or the Hudson Valley, you get one lender and one clear set of terms from quote to close.
Loan programs for New York investors
Every New City Financial program is available on qualifying New York investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in New York
We lend on business-purpose investment and commercial real estate across New York — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why New York investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in New York? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
New York commercial loan FAQs
Does New City Financial lend on investment property in New York?
Yes. We finance business-purpose investment and commercial real estate across New York — from the five boroughs of New York City and the Long Island suburbs through Westchester and the Hudson Valley to the upstate markets of Buffalo, Rochester, Syracuse, and Albany. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a New York commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required. That’s a strong fit for New York’s many self-employed, LLC-titled, and out-of-state investors.
What credit score do I need for a DSCR loan in New York?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong New York asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in New York?
Most New York files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — important in a deep, competitive market where good deals move quickly.
What loan-to-value can I get on New York investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance both New York City and Upstate investment property?
Yes. We lend across the whole state — the five boroughs, Long Island (Nassau and Suffolk), and Westchester downstate, plus the lower-basis upstate metros of Buffalo, Rochester, Syracuse, and the Albany Capital Region. Business-purpose and owner-occupied commercial property is eligible; primary residences are not.
Financing your New York deal with New City Financial
New City Financial provides business-purpose financing on New York investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.