Capital Kings brokers New York investor loans. Hard money, DSCR, and bridge across NYC, Long Island, Westchester, and upstate. NY is one of the most underwriting-sensitive states and our lender network is tuned to its quirks.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in New York
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
Loan Products
Capital That Funds New York Deals
NYC deals demand high-balance lenders with appetite for the price points and patience for NY closing timelines. Westchester, Long Island, and the Hudson Valley get straightforward DSCR treatment. Upstate (Buffalo, Rochester, Syracuse) is one of the most affordable cash-flow markets in the country and our DSCR lenders price it accordingly.
Fix & Flip
Hard Money for Flips
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for New York flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For New York buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in New York growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across New York
Active lending across New York's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in New York before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for New York Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
NYC / Westchester high-balance bridge & DSCR
Long Island fix-and-flip
Upstate NY high-yield DSCR rentals
New York non-warrantable condo financing
Common Questions
New York Lending FAQ
Do you lend hard money loans in New York?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across New York through our 350+ lender network. We close New York deals in as little as 7 days.
What cities in New York does Capital Kings lend in?
We broker investor loans statewide in New York, with active deal flow in New York City, Buffalo, Rochester, Syracuse, Albany and the surrounding metros.
Do you offer DSCR rental loans in New York?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we broker DSCR rentals across New York on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a New York hard money loan close?
Most New York fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a New York fix-and-flip loan?
It depends on the deal. Most New York hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
New York Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every New York deal we close.
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in New York are originated by partner lenders licensed to lend in New York. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.
Broker, Not a Lender