Comparison

Hard money platforms for NYC investment property

Updated 2026-08-19 Business-purpose lending

How this page is ordered, and how we are paid. The platforms below are ordered by how much of the five-borough investor use-case they cover — 1–4 family and small mixed-use, entity borrowers, draw-funded renovation — and then alphabetically. Some of the links are affiliate links and we may be paid if you open a loan; that did not set the order and does not change the text. We have no view on which is cheapest for you, because none of us can know that without your deal. Nothing here is an offer of credit or a prediction that you will qualify.

What actually separates these platforms

Everyone in this category advertises fast closings and asset-based underwriting. The differences that decide a New York deal are narrower than the marketing suggests:

Whether they lend in New York at all, and on what. Several national platforms quietly exclude New York City, or exclude anything over four units, or exclude mixed use. Check coverage before anything else.
Leverage basis. Loan-to-cost and loan-to-after-repair-value are not comparable numbers. A lower headline percentage of ARV can put more money on the table than a higher percentage of cost.
Draw process. How fast inspections are scheduled and funds released decides whether your contractor stays on site. This is the most under-asked question in the category.
Exit path. If you intend to refinance into a DSCR loan, a lender who does both may let you keep one mortgage in place through a CEMA rather than recording, and paying tax on, a second.
Recourse and entity terms. Nearly all of these lend to an LLC and take a personal guaranty anyway. Read what the guaranty actually covers.

The New York costs that apply whoever you use

Platform choice does not change these, and they are large enough to change a deal's arithmetic:

Mortgage recording tax on the loan amount — 2.05% statutory under $500,000, 2.175% at and above it on 1–3 family and individual condo units, 2.80% on everything else, with 0.25% of that being the lender's own share on buildings of six residential units or fewer. Worked tables: NYC closing costs.
A second recording tax on the refinance, unless the exit is structured as a CEMA. On a bridge-then-refinance plan this is often the single largest avoidable cost in the deal.
Attorney closings. New York is an attorney-closing state. Budget for it on both the acquisition and the refinance.

Advertising

The links below are affiliate links: we may be paid a commission if you open an account with one of these companies. It never costs you more, and it does not change what we write. How we make money.

Business-purpose lenders that fund in the five boroughs

These are national platforms that lend on NY investment property. They run their own licensed intake — we never take your information. Terms shown are as advertised by each lender; verify directly.

Kiavi

Fix-and-flip, bridge and DSCR rental loans (business-purpose)

Advertises fix-and-flip and rental (DSCR) financing nationwide; check state coverage and entity requirements on their site

Who it is aimed at: Investors buying or refinancing NY investment property through an entity

Details as published by Kiavi, checked 2026-08-19

Visit Kiavi

Lima One Capital

Fix-and-flip, new construction, bridge and rental-portfolio loans

Advertises business-purpose investor loan programs; terms and eligible states per their site

Who it is aimed at: Investors and small builders financing 1–4 family and small multifamily

Details as published by Lima One Capital, checked 2026-08-19

Visit Lima One Capital

OfferMarket

DSCR and fix-and-flip lending plus an investor property marketplace

Advertises DSCR and hard-money programs; verify NY coverage directly

Who it is aimed at: Buy-and-hold and flip investors comparing business-purpose terms

Details as published by OfferMarket, checked 2026-08-19

Visit OfferMarket

lender.nyc does not take applications and does not pass your details to anyone. Each company above runs its own licensed process on its own site, and decides its own terms.

Before you commit to any of them

Check the firm in NMLS Consumer Access and against New York's own registries. We do not verify licensing for anyone on this page.
Get the total cost to maturity in writing — rate, points, extension fee, exit fee, and the day-after-maturity terms.
Ask which exit they underwrote. A lender who priced a sale has not underwritten your refinance plan.

Sources

tax.ny.gov — NYS Form MT-15 (1/25), Table 4 — the New York City mortgage recording tax tiers that apply to any recorded investment-property mortgage.
nysenate.gov — NY Tax Law §255 — the CEMA mechanism, which determines whether a bridge-to-permanent plan pays recording tax once or twice.
dfs.ny.gov — NY Department of Financial Services — the state regulator to check a firm against before committing to anyone listed on this page.

Local firms in our directory

Platforms are national. These are firms listed in our own five-borough directory that say they do investor lending — free listings from our research, no affiliate relationship, no payment unless explicitly labeled Featured — Advertisement.

Accolend

Hard money · Bridge · DSCR rental · Fix and flip · New construction · Multifamily

Office listed at 210 Route 4 East, Suite 103, Paramus, NJ 07652. Site states lending services across 40 states and Washington DC; the recently funded list includes multiple Brooklyn and other New York deals.

Stated range: Not published
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Bayport Funding

Hard money · Bridge · Fix and flip · New construction · Rental property

Office listed at 98 Cuttermill Road, Suite 424N, Great Neck, NY 11021. Published recently funded loans include Brooklyn, the Bronx and Jamaica, Queens.

Stated range: Not published
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

CoreVest Finance

DSCR rental · Bridge · New construction · Rental property · Multifamily

CoreVest maintains a New York-specific DSCR page. Borough-level coverage is not broken out on the page.

Stated range: $75,000 to $2M+ on the 30-year DSCR product, as advertised
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Easy Street Capital

Hard money · Bridge · DSCR rental · Fix and flip · New construction · Rental property

The New York page states the firm lends statewide, including New York City and Buffalo, and shows a Bronx fix-and-flip funding example. Licensing disclosures reference California DRE #02090209 plus Arizona, Texas, Idaho, Oregon and Utah licenses.

Stated range: Not published
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Emerald Creek Capital

Bridge · Hard money · New construction

Headquartered at 575 Lexington Ave, New York, NY, with additional offices in South Florida and Pennsylvania. Site lists closed NYC transactions including a Midtown East construction loan and a Long Island City condominium inventory loan.

Stated range: $2 million – $75 million as advertised
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

IceCap Group

Hard money · Bridge · DSCR rental · Fix and flip · New construction

Headquarters listed at 70 West 36th Street, 13th Floor, New York, NY 10018. Site lists all U.S. states and Washington D.C. as eligible lending states.

Stated range: $100k – $3M advertised for the DSCR/Term product
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Kiavi

Bridge · DSCR rental · Hard money · Fix and flip · New construction · Rental property

New York (NY) appears in the list of states on Kiavi's states-we-lend-in page, which covers 49 states plus Washington D.C.

Stated range: Jumbo loans up to $10 million as advertised; ranges for other products not published on this page
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Lima One Capital

Hard money · Bridge · DSCR rental · Fix and flip · New construction · Rental property · Multifamily

Headquartered at 300 East McBee Ave., Suite 200, Greenville, SC, with offices in Irvine, CA and Charlotte, NC. The New York page states loans are used in New York City's five boroughs as well as Albany, Buffalo and Rochester.

Stated range: Not published
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Malve Capital

Hard money · Bridge · Fix and flip · New construction

New York is listed among the states on the company's service-areas page. The site does not state a headquarters location, and borough-level coverage is not broken out.

Stated range: $50,000 to $10,000,000 as advertised
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Manhattan Bridge Capital

Hard money · Bridge · Fix and flip · New construction

Site states lending in all five NYC boroughs plus Long Island (Nassau and Suffolk), the Hudson Valley, Rockland and Westchester, and on properties in New York, New Jersey, Connecticut and Florida.

Stated range: Not published
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

RCN Capital

Hard money · Bridge · DSCR rental · Fix and flip · New construction · Rental property · Multifamily

The FAQ states RCN lends in most U.S. states with the exception of Alaska, Nevada, Utah, North Dakota, South Dakota and Vermont; New York is not on the exclusion list.

Stated range: $70,000 – $3,000,000 depending on program, as advertised
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Roc Capital

Hard money · Bridge · DSCR rental · Fix and flip · New construction

Headquarters listed at 645 Madison Avenue, 19th floor, New York, NY 10022. Site states the firm currently cannot lend in North Dakota, South Dakota and Vermont.

Stated range: Not published
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Silver Arch Capital Partners

Bridge · Hard money · Multifamily

New Jersey-based; site describes nationwide commercial real estate lending and lists closed loans in New York among other states. Specific borough-level coverage is not broken out on the site.

Stated range: Bridge loans from $1 million – $70 million, as low as 9%, as advertised
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Stormfield Capital

Hard money · Bridge · Fix and flip · New construction · Multifamily

Headquarters listed at 200 Pequot Avenue, Southport, CT 06890. Site names Connecticut, Massachusetts and New York as primary markets and lists a Brooklyn ground-up construction closing.

Stated range: Not published
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

Stratton Equities

Hard money · Bridge · DSCR rental · Fix and flip · Rental property

Headquarters listed at 28 Bloomfield Avenue, Pine Brook, NJ 07058. The company maintains a dedicated New York lending page.

Stated range: $100K – $5M as advertised, rates from 9.99%, up to 75% LTV on hard money
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details

W Financial

Bridge · Hard money

Based in Great Neck, NY; site states the firm was formed in 2003 and lends nationwide with a Northeast concentration. Published deals include East Harlem, Flushing (Queens) and Brighton Beach (Brooklyn).

Stated range: $1 million to more than $50 million as advertised
Boroughs listed: Manhattan, Brooklyn, Queens, The Bronx, Staten Island

Facts from the firm's own site, checked 2026-08-19. Details