New York City, NY
New York City Loans for Apartment and Mixed-Use Buildings
Insource Funding is a direct private lender for rental, bridge, multifamily, mixed-use, and commercial property purchases and refinances in New York City. Loans range from $100,000 to $5 million with asset-based underwriting—no DSCR, personal-income verification, or tax returns.
NYC waits for no one. If the deal makes sense, we'll move quickly and give you a straight answer.
Direct Lender
Since 2001
$100K–$5M
Loan amounts
No DSCR
Or income verification
Purchases + Refinances
Including cash-out
Get a Quote for Your New York City Property
Tell us about the property and the financing you need. We issue same-day term sheets when the initial scenario fits our guidelines.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
Loan programs
Investment Property Financing Available in New York City
All programs are for business-purpose, non-owner-occupied real estate. Purchases and refinances are available, subject to property and borrower qualification.
Financing Needs We Handle
Purchasing an investment property
Financing for an eligible rental, multifamily, mixed-use, or commercial acquisition.
Replacing an existing loan
Rate-and-term refinancing for investment property debt.
Taking cash out of available equity
Business-purpose cash-out based on the property and requested loan.
Refinancing a maturing loan
Financing for an approaching balloon payment or loan maturity.
NYC Market
New York City Property Across Five Boroughs
New York City includes small rental buildings, walk-up and elevator apartments, mixed-use buildings, neighborhood retail, office, and industrial property. ZOLA provides zoning and land-use information, while DOB NOW and the Building Information System provide building and filing records.
Rent regulation, certificates of occupancy, and property registration can matter for some occupied buildings. Those facts vary by building, so investors should use city records for the address rather than assume one rule applies to every borough and property type.
Building-level differences
Apartment, Mixed-Use, and Commercial Buildings in New York City
Borough, zoning district, unit count, legal use, and existing leases distinguish a financing request more meaningfully than a generic citywide market statistic.
Programs for New York City buildings
Property Types
Investment Properties We Finance in New York City
Non-owner-occupied 1–4 unit rentals
Single-family homes, condominiums, and two- to four-unit properties held for investment.
Multifamily properties
Eligible apartment buildings with five or more units.
Mixed-use properties
Buildings combining residential and eligible commercial space.
Office and retail
Eligible investment office and retail buildings.
Industrial properties
Eligible warehouse, distribution, and light-industrial buildings.
Other eligible commercial property
Business-purpose investment property within current lending guidelines.
Insource Funding
Why Investors Work With Us
Direct Lender Since 2001
Work directly with the people reviewing and funding the loan. More than 6,000 transactions and $1 billion funded.
Asset-Based Underwriting
No DSCR, tax returns, or personal income verification.
Residential and Commercial Investment Properties
Rental, multifamily, mixed-use, office, retail, and industrial properties.
Example financing scenario
Refinancing a New York City mixed-use building
What We Need for an Initial Review
Send the property address, purchase price or estimated value, requested loan amount, property type, purchase or refinance purpose, current payoff for a refinance, rent information when applicable, and a short explanation of the financing need.
No DSCR, income or employment verification, tax returns, or minimum credit score is required.
Get a QuoteNew York City sits inside our broader New York investor lending coverage. Investors closing here also work with us on rental property loans, bridge financing, and mixed-use deals across the New York market.
Insource Funding is a direct private lender headquartered at 433 Plaza Real, Suite 275, Boca Raton, Florida.
FAQ
Common Questions
New York City Real Estate Resources
New York City
Have a deal in New York City?
Send it over. We'll look at the property, the numbers, and the plan behind it, then give you a straight answer.