Licensed & Lending
Hard Money & DSCR Loans in New York
Capital Kings funds 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.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
270+
Lenders in Network
37
States Licensed
7-Day
Avg. Flip Close
1.0+
Min DSCR Ratio
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
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for New York fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for New York buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. New York growth corridors specifically.
Why Capital Kings
Built for New York Investors
NYC / Westchester high-balance bridge & DSCR
Available statewide for New York investors.
Long Island fix-and-flip
Available statewide for New York investors.
Upstate NY high-yield DSCR rentals
Available statewide for New York investors.
New York non-warrantable condo financing
Available statewide for New York investors.
Common Questions
New York Lending FAQ
Do you lend hard money loans in New York?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across New York through our 270+ lender network. We close New York deals in as little as 7 days.
What cities in New York does Capital Kings lend in?
We fund 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 fund 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?
As little as 0% down on the right deal. Most New York hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in New York can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
New York Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every New York deal we close.
Ready to fund your New York deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
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.