Bronx • DSCR Investment
Investment Property Cash-Flow Loans in the Bronx
Stop letting W-2s and tax returns cap your portfolio. Our DSCR loans qualify Bronx investment properties on the rents they collect — so you can scale from a single 2-family to a 20+ unit portfolio without the personal income hurdles.
- 30-year fixed, no income docs
- 1–4 unit, 5+ unit, and mixed-use
- Up to 80% LTV purchase, 75% cash-out
- LLC and corporate vesting standard
- Bronx-friendly: zip-code level rent comps
- Cash-out refinance to fund the next acquisition
How DSCR works on Bronx rentals
Debt Service Coverage Ratio (DSCR) compares the monthly rent to the monthly mortgage payment. If the rent covers the payment (DSCR ≥ 1.0), you qualify — period. We use market rents from a 1007 appraisal addendum, so even if your tenant is below market, you can still close. Most Bronx 2–4 family properties price comfortably with DSCRs of 1.10–1.40.
Why Bronx investors choose Seagate
We know the borough — from Highbridge to Throgs Neck — and we underwrite to actual neighborhood rent rolls, not generic state averages. Our team has closed hundreds of loans on Bronx 2–4 unit walk-ups, mixed-use storefronts, and small multifamily. Local presence in Brooklyn, fast answers, and direct access to the underwriter.
Frequently Asked Questions
What's the minimum DSCR?+
1.0 on most programs, with select pricing improvements at 1.20+. Sub-1.0 (no-ratio) options exist with higher down payment.
Can I close in an LLC?+
Yes — and we recommend it for asset protection. We don't charge a premium for LLC vesting.
What about properties needing repairs?+
Light cosmetic is fine. Heavy rehab? Use our Fix & Flip or Bridge product first, then refinance into the DSCR loan once stabilized.
Do you lend on rent-stabilized buildings?+
Yes, with adjusted underwriting based on the legal rent roll. Call to discuss specifics.
How fast can I close?+
21–30 days from submission, with rush options available.
Talk to a real underwriter today.
Call anytime — no scripts, no gatekeepers.