FundLoans for New York investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
New York context
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization.
How FundLoans positions in New York
For New York specifically, FundLoans fits investors who match the hard money approach. The low cash flow profile of New York aggregate makes it workable for FundLoans.
City-level coverage in New York
FundLoans provides DSCR coverage across New York metros including New York City, Buffalo, and Rochester. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across New York metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| New York property tax | 1.7% |
| New York state income tax | 10.9% |
FundLoans strengths in New York
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct New York coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
New York City is the top investor market in New York and is generally within FundLoans states not publicly disclosed footprint. New York City property tax follows the New York state rate of 1.7 percent. FundLoans typically underwrites New York City acquisitions at standard rate sheets.
Yes. Buffalo ranks among the larger New York investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Buffalo matters for property selection.
FundLoans applies the same rate sheet across New York metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New York City, Buffalo, and Rochester all qualify for the same FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in New York.
New York has some restrictions on prepayment penalty structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
New York investors considering FundLoans should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.