Long-term rental financing for investment properties across New York — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major New York metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
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.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 New York properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout New York — NYC Outer Boroughs, Long Island, Westchester County, Rochester, Buffalo, and every other NY metro. Rates from 5.75%, up to 80% LTV.
New York DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every New York metro. High-volume markets: NYC Outer Boroughs, Long Island, Westchester County, Rochester, Buffalo. Secondary markets welcome.
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.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on New York DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every New York metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for New York builders. 85% land + 85% build. $100K–$7.5M.