PRIVATE MONEY LOANS · New York (NY) Underwriting Matrix

New York Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

New York Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). In New York (NY), lenders underwrite to a Judicial (RPAPL Article 13) statutory framework (240–360 days-day average timeline), a 1.64% average property tax rate (~$745/mo at the $545,000 state median), and $580/$100K hazard insurance (~$263/mo).

Max Leverage / LTC
Up to 80% LTV / 85% LTC
Min FICO: Flexible Credit / Equity-Driven
2026 Rate Band
8.99% – 11.25% Interest-Only
6 to 36 Months Interest-Only
NY Security Instrument
Judicial (RPAPL Article 13)
240–360 days days avg timeline
NY Avg Tax & Ins
1.64% Tax
$580/$100K Hazard Ins

How Private Money Loans Work in New York (NY)

Private money loans connect real estate investors with non-bank private debt funds, family-office capital, and balance-sheet lenders for time-sensitive acquisitions, partner buyouts, cross-collateralized equity unlocks, and non-conforming investment properties across 1–4 unit and 5+ unit commercial assets.

1. New York Median Benchmark

Median 1–4 unit price of $545,000 (75% LTV = $408,750) with Form 1007 rent of $3,950/mo and multifamily rent of $2,280/door.

2. Escrow & Title Underwriting

New York operates under a Judicial (RPAPL Article 13) regime (240–360 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 12 Business Days)

Close in your New York LLC or Delaware LLC registered in NY with zero personal tax returns, W-2s, or 4506-C transcripts.

New York County-Level Property Tax & Insurance Hubs (5)

Explore Other Programs in New York

New York Private Money Loans (2026) — Up to 80% LTV / 85% LTC, 8.99% – 11.25% Interest-Only | Arizona Private Money Loan — No-Tax-Return Asset-Based Equity, Auction & Cash-Out Bridge Loans