DSCR Loans in Bronx County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 98 lenders made 864 investment-property loans in Bronx County, 3.9% of New York's total. Dominick Prevete arranges DSCR loans across Bronx County, New York, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $555,000.
Bronx County investor market at a glance
| Statistic | Bronx County | New York | County rank |
|---|---|---|---|
| Investor loans | 864 | 22,268 | 9th of 26 |
| Reporting lenders | 98 | 396 | 11th of 26 |
| Loan volume | $570.3M | $11.65B | 7th of 26 |
| Average loan | $660K | $523K | 4th of 26 |
| Median loan | $645K | $405K | 3rd of 26 |
| Purchases | 49.3% | 59.1% | 25th of 26 |
| Cash-out refinances | 32.3% | 25.7% | 2nd of 26 |
| 2–4 unit properties | 80.0% | 44.0% | 1st of 26 |
| Top five lenders' share | 43.9% | 22.4% | 5th of 26 |
| Reported business-purpose | 90.3% | 85.6% | 5th of 26 |
Bronx County: closed-end loans on 1–4 unit investment properties. Bronx County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bronx County's investor loans.
What stands out in Bronx County
80.0% of Bronx County's investor loans financed a 2–4 unit property, the highest share of New York's 26 counties with published data (statewide: 44.0%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
49.3% of Bronx County's investor loans were purchases, the 2nd-lowest share of New York's 26 counties with published data (statewide: 59.1%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
32.3% of Bronx County's investor loans were cash-out refinances, the 2nd-highest share of New York's 26 counties with published data (statewide: 25.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Bronx County?
At HUD's fair market rent of $3,760 for a 3-bedroom in Bronx County, New York, a rental covers its full DSCR payment up to a purchase price of about $555,000, with 20% down at the 7.25% starting rate (November 2026). Bronx County's median home value is $529,500; at that price the payment is $3,564 a month, so the property would need $3,575 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,971 / $3,760 / $4,121 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $529,500 |
| Median property taxes and effective rate | $5,447 (1.03% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,564 |
| Rent needed to cover that payment | $3,575 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $555,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $880,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Bronx County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bronx County?
The most active investment-property lenders in Bronx County in 2025 HMDA data were Loan Funder LLC, Emporium TPO LLC and A&D Mortgage LLC, out of 98 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Bronx County, and matches each file to the one most likely to fund it.
Bronx County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 864 loans and $570.3M from 98 lenders. Loan Funder LLC led Bronx County with 107 loans, 12.4% of the county's total, and the average Bronx County loan of $660K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 107 | $71.3M | $666K | 75.7% |
| Emporium TPO LLC | 106 | $97.4M | $918K | 14.2% |
| A&D Mortgage LLC | 86 | $20.7M | $241K | 58.1% |
| CHAMPIONS FUNDING, LLC | 45 | $33.4M | $743K | 40.0% |
| Hometown Equity Mortgage, LLC | 35 | $27.3M | $780K | 31.4% |
| Logan Finance Corporation | 31 | $21.1M | $680K | 51.6% |
| ICE LENDER HOLDINGS LLC | 24 | $20.6M | $860K | 70.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 24 | $18.8M | $784K | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 24 | $14.2M | $593K | 41.7% |
| Citadel Servicing Corporation | 20 | $13.6M | $682K | 50.0% |
| FM Home Loans, LLC | 16 | $11.0M | $686K | 37.5% |
| SELF RELIANCE NY | 15 | $11.4M | $762K | 13.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | $9.1M | $606K | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | $10.1M | $724K | 42.9% |
| NEWREZ LLC | 14 | $8.9M | $636K | 64.3% |
| BPL MORTGAGE TRUST, LLC | 13 | $9.2M | $706K | 46.2% |
| DEEPHAVEN MORTGAGE LLC | 13 | $6.2M | $479K | 30.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $6.0M | $462K | 38.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $8.6M | $718K | 66.7% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 11 | $8.0M | $730K | 72.7% |
| ARC HOME LLC | 10 | $6.9M | $693K | 80.0% |
| Quontic Bank | 10 | $6.2M | $623K | 70.0% |
| CMG MORTGAGE, INC. | 9 | $6.8M | $759K | 77.8% |
| EAST COAST CAPITAL CORP. | 9 | $5.7M | $632K | 66.7% |
| First Central Savings Bank | 8 | $5.5M | $686K | 50.0% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bronx County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bronx County CSV, all 25 lenders
What Bronx County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bronx County's fix-and-flip and bridge lenders barely appear among its 98 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including several on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Bronx County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bronx County, New York property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Bronx County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 98 lenders and 864 loans: 2025 HMDA loan-level data rolled up to Bronx County.
- Bronx County investor-lender dataset (CSV) — All 25 lenders in the Bronx County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bronx County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the New York, NY HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bronx County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.