New York
Active LendingOpportunity ZoneNew York real estate investment market
Median Home Value
$502,162
Est. Cap Rate
2.5%
Based on rent yield × 65%
Vacancy Rate
10.2%
54% owner-occupied
Population
19.9M
Median income: $84,578
New York Investment Analysis
New York is a major metropolitan market with 19.9M residents and a median home value of $502,162. The 2.5% cap rate positions New York as a premium appreciation market where equity growth drives returns. Strong 4.5% year-over-year appreciation signals continued demand — act before prices climb further. With 46% of the population renting at a median of $1,576/month, New York has exceptionally strong rental demand — a key indicator for DSCR loan qualification. New York's housing stock is 51% multifamily — indicating strong institutional investor interest and potential for 2-4 unit or small multifamily acquisitions. As your Real Estate CFO, we recommend exploring bridge financing for repositioning in New York. Get pre-qualified for $150K–$10M in financing — term sheet in 48 hours.
Market Details
Housing Stock
8.5M units
Single-family: 3.5M
Multifamily: 4.4M (51.1%)
Investment Metrics
Gross Yield 3.8%
Cap Rate 2.5%
Price-to-Rent 26.6 (Favors renting)
Property Tax $6,450/yr
Demographics
Median Income $84,578
Median Age 39.6
Employment 99.7%
Home Value Trends
1-Year Appreciation +4.5%
3-Year Appreciation +17.6%
5-Year Appreciation +33.4%
Rental Market
$1,576/mo
Renter population: 45.7%
Lending Status
Active Lending
$150K – $10M · Business purpose
Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis
Investor Resources — New York
Key government departments and regulatory contacts for real estate investors
Contractor Licensing
New York Department of State - Division of Licensing Services
No state-level general contractor license; regulated at local/municipal level (NYC has its own licensing); specialty trades at state level
Eviction Court
Housing Court / City Court
14-day notice to pay; ~45-120 days total; very tenant-friendly; NYC Housing Court; nonpayment or holdover
Real Estate Commission
New York Dept of State, Division of Licensing Services
No separate commission; under DOS Division of Licensing; Albany; Mon-Fri 8:45am-4:30pm
Rent Control
NYS Homes & Community Renewal - Office of Rent Administration (ORA)
Statewide rent regulation in certain localities. NYC has both rent control (pre-1947 buildings) and rent stabilization (most regulated units). Rent Guidelines Board sets annual increases for stabilized units. Housing Stability and Tenant Protection Act of 2019 strengthened protections. No preemption - localities can enact rent control.
Investment Strategy Assessment
How New York performs for each investment strategy
DSCR Rental
ChallengingNew York's 2.5% cap rate suggests an appreciation-focused market. Consider value-add strategies to improve cash flow.
- Up to 85% LTV
- No income verification
- 5-30 year terms
Fix & Flip
ModerateVacancy at 10.2% — factor in longer hold times when modeling your flip ROI in New York.
- Up to 90% of purchase + rehab
- 6-18 month terms
- Draw schedule for rehab
Bridge / Value-Add
Strong MatchBridge financing works in any market condition. Use it for acquisitions, refinances, or transitional properties in New York while you stabilize or reposition.
- Up to 80% LTV
- 12-24 month terms
- Interest-only payments
Top Counties in New York
62 counties by population
Kings County
Queens County
New York County
Suffolk County
Bronx County
Nassau County
Westchester County
Erie County
Top Cities in New York
1,289 cities by population
| City | Population | Home Value | Cap Rate | |
|---|---|---|---|---|
| New YorkQueens County | 8.5M | $812,534 | 3.6% | View → |
| BuffaloErie County | 276K | $232,351 | 4.6% | View → |
| RochesterMonroe County | 210K | $228,693 | 4.9% | View → |
| YonkersWestchester County | 210K | $673,384 | 3.1% | View → |
| SyracuseOnondaga County | 146K | $204,630 | 6.1% | View → |
| AlbanyAlbany County | 100K | $312,118 | 4.0% | View → |
| New RochelleWestchester County | 82K | $899,650 | 2.4% | View → |
| Cheektowaga | 76K | $169,200 | 4.7% | View → |
| Mount VernonWestchester County | 73K | $576,684 | 3.8% | View → |
| SchenectadySchenectady County | 69K | $313,246 | 3.8% | View → |
| UticaOneida County | 64K | $197,257 | 5.0% | View → |
| White PlainsWestchester County | 60K | $758,693 | 3.2% | View → |
| HempsteadNassau County | 59K | $616,733 | 4.8% | View → |
| Tonawanda Town | 57K | $199,400 | 4.2% | View → |
| LevittownNassau County | 52K | $703,591 | 2.7% | View → |
Top Neighborhoods in New York
572 neighborhoods
New York Investment Report
Comprehensive state market analysis
Get the Complete New York Market Analysis
Make data-driven investment decisions with our comprehensive state report, including pricing trends, rental yields, and DSCR loan scenarios.
- Complete market data & demographics
- 5-year price appreciation trends
- Rental yield analysis by property type
- Investment opportunity score
- Comparable market benchmarks
- DSCR loan scenario modeling
Top 10 Counties in New York for DSCR Investment
Our data team analyzed every countie in New York to find the best opportunities for cash-flowing DSCR investments.
Top 10 Counties
New York | DSCR Investment
Your Real Estate CFO
We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your New York deal. Close in 28 days or we pay you $1,000.
$1.3B+
Transactions Advised
42
States Active
28 Days
Or $1,000 Guarantee
Flexible Financing for Every Deal
All products below are eligible for our 28-day close guarantee.
Bridge Loans
Short-term financing for acquisitions, refinancing, or repositioning
- 12-24 month terms
- Up to 80% LTV
- Interest-only payments
- Flexible prepayment
Fix & Flip
Fast funding for property renovation and resale
- 6-18 month terms
- Up to 90% of purchase + rehab
- Fast closings
- Interest-only payments
Ground-Up Construction
Financing for new development projects from land to completion
- 12-36 month terms
- Up to 90% of costs
- Progress-based draws
- Interest-only payments
DSCR Rental
Long-term financing for single-family rentals and portfolio acquisitions
- 5-30 year terms
- Up to 85% LTV
- Portfolio options
- No personal income docs
Larger Deals
Multifamily & Build-to-Rent
For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.
Multifamily
Permanent and bridge financing for apartment buildings and complexes — 5 units and up.
- Up to $50M
- 5–30 year terms
- Up to 80% LTV
- Bridge and permanent options
- Interest-only available
Build-to-Rent Communities
Institutional financing for single-family rental community developments from land to stabilization.
- Up to $50M
- Construction through permanent
- Community-scale underwriting
- Progress-based draw schedule
- Custom closing timeline
Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.
Your Real Estate CFO
We structure, source, and close financing for your investment properties. Let us help you capitalize on New York opportunities.
48-Hour
Term Sheet
$150K-$10M
Loan Range
28-Day
Close Guarantee
$1,000 GUARANTEE
If we can't close in 28 days, we pay you $1,000