DSCR Loans in New York County, New York
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 124 lenders made 560 investment-property loans in New York County, 2.5% of New York's total. Dominick Prevete arranges DSCR loans across New York 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 at most about $565,000.
New York County investor market at a glance
| Statistic | New York County | New York | County rank |
|---|---|---|---|
| Investor loans | 560 | 22,268 | 14th of 26 |
| Reporting lenders | 124 | 396 | 6th of 26 |
| Loan volume | $733.0M | $11.65B | 5th of 26 |
| Average loan | $1,309K | $523K | 1st of 26 |
| Median loan | $755K | $405K | 2nd of 26 |
| Purchases | 56.6% | 59.1% | 22nd of 26 |
| Cash-out refinances | 20.5% | 25.7% | 22nd of 26 |
| 2–4 unit properties | 14.3% | 44.0% | 25th of 26 |
| Top five lenders' share | 25.7% | 22.4% | 23rd of 26 |
| Reported business-purpose | 78.0% | 85.6% | 22nd of 26 |
New York County: closed-end loans on 1–4 unit investment properties. New York County's rank is highest first, among New York's counties with at least 100 investor loans and 25 reporting lenders. Shares are of New York County's investor loans.
What stands out in New York County
The average investor loan in New York County was $1,309K, the highest average of New York's 26 counties with published data (statewide: $523K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
14.3% of New York County's investor loans financed a 2–4 unit property, the 2nd-lowest share of New York's 26 counties with published data (statewide: 44.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 25.7% of New York County's investor loans, the 4th-lowest share of New York's 26 counties with published data (statewide: 22.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in New York County?
At HUD's fair market rent of $3,760 for a 3-bedroom in New York County, New York, a rental covers its full DSCR payment up to a purchase price of at most about $565,000, with 20% down at the 7.25% starting rate (November 2026). New York County's median home value is $1,090,500; at that price the payment is at least $7,239 a month, so the property would need at least $7,250 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,971 / $3,760 / $4,121 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $1,090,500 |
| Median property taxes and effective rate | $10,000+ (at least 0.92% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | at least $7,239 |
| Rent needed to cover that payment | at least $7,250 |
| Coverage of a 3-bedroom at fair market rent | 0.52 or less |
| Highest price a 3-bedroom at fair market rent covers | at most about $565,000 |
Census reports median property taxes of $10,000 or more as "$10,000+", so this county's true median tax is higher than the figure used: the payment and the rent needed are at least what is shown, and the price and coverage at most.
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 New York County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in New York County?
The most active investment-property lenders in New York County in 2025 HMDA data were JPMorgan Chase Bank, National Association; Bank of America, National Association; and Wells Fargo Bank, National Association, out of 124 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 New York County, and matches each file to the one most likely to fund it.
New York County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 560 loans and $733.0M from 124 lenders. JPMorgan Chase Bank, National Association led New York County with 42 loans, 7.5% of the county's total, and the average New York County loan of $1309K compares with $523K across New York.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 42 | $57.9M | $1380K | 64.3% |
| Bank of America, National Association | 32 | $131.8M | $4119K | 56.2% |
| Wells Fargo Bank, National Association | 26 | $21.9M | $843K | 73.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | $22.2M | $887K | 64.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 19 | $15.6M | $823K | 89.5% |
| Citizens Bank, National Association | 18 | $33.8M | $1878K | 88.9% |
| East West Bank | 17 | $13.5M | $794K | 82.4% |
| United Nations Federal Credit Union | 13 | $5.4M | $413K | 69.2% |
| Citibank, National Association | 12 | $12.2M | $1015K | 75.0% |
| Loan Funder LLC | 11 | $14.2M | $1289K | 45.5% |
| GUARANTEED RATE, INC. | 11 | $8.6M | $781K | 63.6% |
| CLIFFCO, INC. | 11 | $7.1M | $644K | 45.5% |
| ICE LENDER HOLDINGS LLC | 10 | $19.5M | $1951K | 50.0% |
| FM Home Loans, LLC | 10 | $16.8M | $1682K | 40.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 10 | $7.8M | $781K | 0.0% |
| BRADESCO BANK | 9 | $20.0M | $2222K | 77.8% |
| UBS Bank USA | 9 | $18.1M | $2007K | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | $12.8M | $1426K | 55.6% |
| CHAMPIONS FUNDING, LLC | 9 | $8.3M | $923K | 22.2% |
| U.S. Bank National Association | 9 | $7.7M | $854K | 55.6% |
| Citadel Servicing Corporation | 9 | $4.2M | $472K | 11.1% |
| A&D Mortgage LLC | 8 | $7.6M | $946K | 87.5% |
| Peapack-Gladstone Bank | 7 | $16.0M | $2292K | 14.3% |
| Morgan Stanley Private Bank, National Association | 7 | $13.2M | $1884K | 42.9% |
| TD Bank, National Association | 7 | $7.6M | $1086K | 14.3% |
617 New York loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for New York County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · New York County CSV, all 25 lenders
What New York County's table can't show you: fit. Short-term financing is exempt from HMDA, so New York County's fix-and-flip and bridge lenders barely appear among its 124 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 New York County, New York deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a New York 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 — New York County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 124 lenders and 560 loans: 2025 HMDA loan-level data rolled up to New York County.
- New York County investor-lender dataset (CSV) — All 25 lenders in the New York County, New York table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — New York 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 — New York 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.