Short-term purchase + rehab bridge loans for investors flipping properties in New York. Rates 9.5–12%, up to 100% loan-to-cost for premier borrowers, and 100% of your rehab budget financed via draws. Close in as little as 72 hours with clear title. SLA Capital has closed deals across every New York metro.
SLA Capital — a Sir Lends A Lot LLC Company
A Fix and Flip loan is short-term bridge financing used to purchase and rehabilitate a distressed property before selling or refinancing it. Loan size is anchored to the property's after-repair value (ARV) — not its current condition — so investors can finance both the acquisition and the renovation on a single loan. Rehab dollars are disbursed via draws as work is completed and inspected.
New York State runs two rental strategies: NYC-metro commuter belts (Long Island, Westchester) for premium LTR to Manhattan workers, and Upstate NY (Rochester, Buffalo, Syracuse) for high cash-flow yield. Both work at scale.
Long Island, Westchester, and the outer boroughs feed NYC's employer base — one of the deepest premium-rental markets in the country. Demand stays constant across every cycle.
Rochester, Buffalo, and Syracuse offer some of the highest cash-on-cash yields in the Northeast. Real income for portfolio investors focused on cash flow vs. appreciation.
Rochester (U of Rochester + Rochester Institute of Technology), Syracuse (SU), and Albany (SUNY + state government) provide stable rental demand outside NYC-metro.
Whether you're closing a single-asset SFR in a smaller New York market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Bronx, Queens, Brooklyn, Staten Island — SFR + small-multi
Nassau + Suffolk counties — commuter belt
White Plains, Yonkers, New Rochelle — NYC-metro
Monroe County — Upstate SFR cash-flow
Erie County — Western NY high-yield SFR
Onondaga County — Central NY + SU market
Capital region — Albany, Schenectady, Troy
Statewide coverage — send us any New York property
Same nationwide program, no state-specific surcharges.
Close in as little as 72 hours with clear title. The fastest funding in the field when your deal needs to move.
Points range 1–4. Transparent up-front pricing — no bait-and-switch, no surprise fees at the closing table.
Premier repeat borrowers qualify for up to 100% loan-to-cost. First-timers welcome — LTC scales with experience.
Full rehab budget financed and disbursed via draws after inspection. Photos + invoices approve same-day through our platform.
Choose the term that fits your project. Extensions available on active deals.
Loans from $55,000 up to $3,000,000. From cosmetic flips to full gut jobs across New York.
Yes. SLA Capital funds Fix & Flip bridge loans throughout New York — NYC Outer Boroughs, Long Island, Westchester County, Rochester, Buffalo, and every other NY metro. Rates 9.5–12%, up to 100% LTC for premier borrowers.
As little as 72 hours from application to funding when the title is clear and the file is complete. Average close across all New York Fix & Flip loans is 7–10 days.
SLA Capital finances 100% of rehab costs on New York Fix & Flip loans. Funds are disbursed via draws after inspection of completed work. Photo-and-invoice draw requests run through our platform for same-day approvals.
Every New York metro. High-volume markets: NYC Outer Boroughs, Long Island, Westchester County, Rochester, Buffalo. Secondary markets welcome — send us any New York property.
New York State runs two rental strategies: NYC-metro commuter belts (Long Island, Westchester) for premium LTR to Manhattan workers, and Upstate NY (Rochester, Buffalo, Syracuse) for high cash-flow yield. Both work at scale.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for New York investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Ground-up construction loans for New York builders. 85% land + 85% build. $100K–$7.5M.