Best Construction Lenders in New York (2026)
Compare construction lenders serving New York real estate investors. We found 2 lenders offering construction loans in New York — see rates, LTV, credit requirements, and expert reviews below.
Investing in New York
NYC is one of the most regulated rental markets in the country. Upstate markets (Rochester, Buffalo, Syracuse) offer much better cash flow. Rent stabilization laws require careful due diligence.
Key Markets
Typical Rates
9%–13%
Max LTV
70%–80% of completed value
Typical Terms
12–24 months
Min Credit
680+
Construction Lenders Serving New York
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| CoreVestFeatured | 6.5%–10% | 75% | 660 | $500K–$100M | 21–45 days | 4.4 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
CoreVest
4.4CoreVest (a Redwood Trust company) specializes in rental portfolio loans and build-to-rent financing. The go-to lender for investors with 5+ rental properties who want to consolidate under one blanket loan.
6.5%–10%
75%
660
21–45 days
$500K–$100M
5+ deals
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
About Construction Loans in New York
Financing for ground-up construction of investment properties, from single-family spec homes to build-to-rent developments. Funds disbursed in draws as construction milestones are completed.
New York real estate investors use construction loans for build-to-rent developers and spec home builders. Compare construction terms from multiple lenders to find the best fit for your New York investment strategy.
Other Loan Types in New York
Construction Lenders in Nearby States
Analyze Your New York Deal
Use our free calculator to see if your New York investment works with Construction financing.