Best Fix & Rent Lenders in New York (2026)
Compare fix & rent lenders serving New York real estate investors. We found 2 lenders offering fix-and-rent 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
8%–11% (bridge) → 6.5%–8.5% (perm)
Max LTV
80%–85% purchase, 100% rehab, 75% perm
Typical Terms
12–18 month bridge → 30-year permanent
Min Credit
660–700
Fix & Rent Lenders Serving New York
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| KiaviFeatured | 6.5%–12% | 80% | 640 | $100K–$3M | 10–21 days | 4.5 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
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 Fix-and-Rent Loans in New York
Hybrid loans that combine short-term rehab financing with automatic conversion to a long-term DSCR loan. The one-loan BRRRR solution — no separate refinance needed.
New York real estate investors use fix-and-rent loans for brrrr strategy investors and investors who want to rehab then hold long-term. Compare fix & rent terms from multiple lenders to find the best fit for your New York investment strategy.
Other Loan Types in New York
Fix & Rent Lenders in Nearby States
Analyze Your New York Deal
Use our free calculator to see if your New York investment works with Fix & Rent financing.