New York DSCR Loan Calculator
Screen a New York rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for New York; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
New York DSCR assumptions
The calculator seeds New York with a starting property value of $400,000.00, starting rent of $1,600.00, annual property tax based on a 1.3% effective rate, and estimated annual insurance of $2,346.00.
STR note: NYC's Local Law 18 (effective Sept 2023) essentially banned investor-owned short-term rentals — hosts must be present during guest stays and registration is required. This law has effectively shut down Airbnb-style investing in NYC residential. Local Law 18 is fully in effect and enforcement is active. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Buffalo/Erie County (most affordable large city in NY, cash flow, gentrification potential). Rochester/Monroe County (University of Rochester/RIT, affordable cash flow). Albany/Capital Region (state government stability, moderate prices, hybrid). Syracuse/Onondaga County (Syracuse University, affordable). NYC Outer Boroughs (Queens, Bronx, Staten Island — extremely high prices but high rents; heavily regulated).
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