Where We Lend
New York Investment Property Loans
LendingOne is the trusted lender for Fix and Flip, DSCR rental, and BRRRR projects in the Empire State.
Why Invest in New York Real Estate
New York offers diverse investment opportunities across global core markets and demand-driven regional areas, supporting multiple strategies from long-term rentals to redevelopment and short-term vacation properties.
- New York City anchors demand across rentals, mixed-use assets, and redevelopment projects
- Global financial hub supports sustained housing demand and long-term asset stability
- Upstate regions offer vacation, short-term, and long-term rental opportunities
A Trusted Partner for New York Investors
Direct lending with in-house underwriting delivers predictable terms, clear communication, and scalable loan options for investors executing New York strategies.
LendingOne has a well-established presence across New York State. This includes experience in NYC, Buffalo, Rochester, and emerging markets, helping investors navigate pricing, demand shifts, and execution timelines with confidence.
LendingOne offers investor-friendly terms with customized loan structures and hands-on guidance. This helps investors reduce borrowing costs, avoid rigid lending models, and build a long-term financing partnership.
With reduced friction throughout the underwriting process, investors can close quickly and compete more effectively than with traditional hard money loans or slower financing options.
Investment Property Loans
in New York
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Scale Your Rental Investments
DSCR Rental Loans
Grow your long-term rental properties with flexible DSCR Loans for new purchases, refinances, and cash-outs.
Key Features
- Options for negative cash flowing and break-even properties
- 90-day seasoning for cash-out refinances
- Complimentary 45-day rate lock
- Full point buy downs available
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Fund Your Purchase & Repairs
Fix and Flip Loans
Short-term financing up to 92.5% loan-to-cost (LTC) and 100% of rehab costs to purchase and repair, fix and flip properties.
Key Features
- Up to 92.5% LTC and 100% of rehab funds
- Expedited appraisals
- No interest charged on undrawn rehab funds
- 12-month interest only loans available with no prepayment penalties
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Expand Your BRRRR Strategy
Fix to Rent Loans
Up to 95% LTC and added discounts and rate reductions with Fix to Rent financing for every stage of the BRRRR strategy.
Key Features
- Up to a 95% LTC
- Up to a 0.5% interest rate reduction
- 50% discount on origination fees and a free appraisal when you refinance
- Cash-out options available
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Multiple Properties, One Loan
SFR Portfolio Loans
Build long-term wealth by consolidating multiple single-family rental properties into one flexible loan with one easy payment.
Key Features
- Consolidate up to 20 properties into one loan
- Lower fees with reduced interest rates
- Easier rental portfolio management
- Recourse and non-recourse options
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Finance Ground-Up Projects
New Construction Loans
New construction financing for investors, builders, and developers looking for up to 85% LTC on ground-up projects.
Key Features
- Up to a 90% LTC
- No reserves collected at closing
- No interest on undrawn construction funds
- 12- to 24-month term options
Speak with Your Local Lender Today!
Share a few details about your Texas deal in our form, and a LendingOne loan advisor will follow up with clear options, next steps, and a realistic path to close.
Recently Funded New York Deals
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North Bellmore , NY
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Plainview , NY
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Rochester , NY
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Solvay , NY
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North Bellmore , NY
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Maybrook , NY
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Buffalo , NY
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Astoria , NY
Top Metropolitan Statistical Areas (MSAs) in New York
New York City
High-demand, high-competition rental market driven by jobs, density, global capital.
Buffalo
Affordable entry market supported by stable employment, housing demand trends.
Rochester
Stable market offering consistent rental demand and portfolio growth opportunities.
New York Real Estate Market Insights
New York’s real estate market is full of opportunities. It has multiple paths for investors to deploy capital across rental, redevelopment, and portfolio strategies. LendingOne offers flexible financing built with the local market in mind.
Top Metropolitan Statistical Areas (MSAs) in New York
New York City
High-demand, high-competition rental market driven by jobs, density, global capital.
Buffalo
Affordable entry market supported by stable employment, housing demand trends.
Rochester
Stable market offering consistent rental demand and portfolio growth opportunities.
New York Real Estate Market Insights
New York’s real estate market is full of opportunities. It has multiple paths for investors to deploy capital across rental, redevelopment, and portfolio strategies. LendingOne offers flexible financing built with the local market in mind.
Helpful Resources for New York Property Investors
Investing in New York? Here are some helpful resources from local builder associations to help you spot trends, hotspots, and legislative updates:
Real Estate Market Trends
Stay on top of what’s shaping trends, from housing market momentum and DSCR rental demand signals, to build activity and rent-growth trends. Explore the latest insights below to sharpen your strategy before your next offer or refinance.
