LendingOne for New York investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
New York context
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization.
How LendingOne positions in New York
The New York lender pool for DSCR includes LendingOne among the active platforms. New York top metros (New York City, Buffalo, Rochester) see meaningful LendingOne loan volume.
City-level coverage in New York
LendingOne 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. LendingOne 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 | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| New York property tax | 1.7% |
| New York state income tax | 10.9% |
LendingOne strengths in New York
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including New York. LendingOne is based in Boca Raton, FL and operates nationally.
New York City is the top investor market in New York and falls within LendingOne national coverage. New York City property tax follows the New York state rate of 1.7 percent. LendingOne 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 LendingOne. Submarket variation within Buffalo matters for property selection.
LendingOne 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 LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in New York.
New York has some restrictions on prepayment penalty structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
For New York DSCR borrowers, LendingOne is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.