New York DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

New York DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in New York (NY) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the New York median 1–4 unit price of $545,000 and Form 1007 rent of $3,950/mo (1.64% property tax, $580/$100K hazard insurance), a 75% LTV loan models at 1.08x DSCR ($3,659/mo total PITIA).