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Portfolio Loans

Portfolio Loans in New York

Finance multiple New York investment properties under one loan. Simplify your portfolio with one payment and one lender.

Get Pre-Qualified →Call (732) 754-2144

Scale Your New York Portfolio With a Blanket Mortgage

New York offers a diverse real estate investment landscape, from the world-class New York City market to the more affordable upstate markets of Buffalo, Rochester, and Syracuse. DSCR loans are popular with NYC-area investors who may have complex income situations or self-employment income that makes traditional qualification difficult. Upstate New York markets like Buffalo and Rochester offer strong cash flow opportunities with cap rates significantly above downstate markets.

Managing separate mortgages for each investment property in New York creates unnecessary complexity - multiple payments, multiple lenders, multiple closing dates. A portfolio loan consolidates your New York rental properties under a single blanket mortgage with one monthly payment, one lender relationship, and one set of terms. This simplifies your operations and can improve your borrowing power as lenders evaluate the strength of your entire portfolio rather than each property in isolation. Sinai Capital shops your portfolio to 50+ lenders to find the best rate and structure for your New York investment properties.

New York Real Estate Market at a Glance

Median Home Price

$430,000

Median Rent

$2,400

Avg Cap Rate

5.5%

Foreclosure Type

Judicial

State Income Tax

Yes

Landlord Friendly

Moderate

Buffalo and Rochester have emerged as investor favorites in New York, offering median home prices under $200,000 with rents that produce DSCR ratios well above 1.25.

Top New York Markets for Portfolio Loan Investors

New York City, NY

Strong rental market ideal for portfolio consolidation

Buffalo, NY

Strong rental market ideal for portfolio consolidation

Rochester, NY

Strong rental market ideal for portfolio consolidation

Syracuse, NY

Strong rental market ideal for portfolio consolidation

Albany, NY

Strong rental market ideal for portfolio consolidation

Portfolio Loan Requirements in New York

Minimum Properties5+ properties typical (some lenders accept 3+)
Loan-to-Value (LTV)Up to 75% LTV on the combined portfolio
Interest Rates6.5% - 10% (based on portfolio size and strength)
Loan Amounts$250,000 - $20,000,000
Minimum Credit Score660+ (700+ for best rates)
Time to Close30-45 days
DSCR QualificationEvaluated on a portfolio basis (combined cash flow)
Property TypesSingle-family, 2-4 units, condos, townhomes, small multifamily
OccupancyInvestment property only (no primary residence)
Cross-CollateralizationAll properties secure the single loan

New York Lending Regulations & Tax Considerations

Foreclosure & Lending Laws

New York uses a judicial foreclosure process that is among the slowest in the nation, often taking 12-18 months or longer. NYC has extensive rent regulation laws affecting older apartments. The state enacted the Housing Stability and Tenant Protection Act in 2019, which strengthened tenant protections significantly.

Tax Implications for Investors

New York has state income tax rates up to 10.9%, with additional NYC income tax of up to 3.876% for properties in the five boroughs. Property tax rates vary dramatically - upstate rates can exceed 2.5%, while NYC effective rates are around 0.88%. Transfer taxes also apply to sales.

How to Get a Portfolio Loan in New York

1

Tell us about your portfolio

Fill out a quick pre-qualification form with details about your New York properties - how many units, current rents, estimated values, and your target loan amount. Takes about 2 minutes. No credit pull required.

2

We shop 50+ lenders for your best rate

We package your New York portfolio and send it to our network of 50+ lenders who specialize in blanket mortgages and portfolio financing. Each lender competes to offer you the best rate and terms.

3

Choose your terms and close

Pick the offer that works best for your New York portfolio. We handle the paperwork and coordinate across all properties to push your deal to closing. Most portfolio loans close in 30-45 days.

New York Portfolio Loan FAQ

What is a portfolio loan in New York?+
A portfolio loan in New York allows you to finance multiple investment properties under a single loan with one monthly payment. Instead of managing separate mortgages for each property, a portfolio loan (also called a blanket mortgage) consolidates them into one streamlined package. This simplifies your finances and can unlock better terms as lenders see the strength of the entire portfolio.
How many properties can I finance with a portfolio loan in New York?+
Most portfolio lenders in New York require a minimum of 5 properties, though some will consider portfolios starting at 3 properties. There is generally no maximum - some lenders finance portfolios of 20, 50, or even 100+ properties. The key factor is the overall strength and cash flow of the combined portfolio.
What is the difference between a blanket mortgage and a portfolio loan in New York?+
In New York, the terms are often used interchangeably. A blanket mortgage is a single loan that covers multiple properties, which is essentially what a portfolio loan does. The main distinction is that "portfolio loan" can also refer to any loan a lender keeps on their own books rather than selling to the secondary market. For real estate investors, both terms describe financing multiple properties under one loan.
What are portfolio loan rates in New York?+
Portfolio loan rates in New York typically range from 6.5% to 10%, depending on the size of the portfolio, combined DSCR, borrower credit score, and LTV. Larger portfolios with strong cash flow often qualify for better rates. Working with Sinai Capital, we shop your portfolio to 50+ lenders to find the most competitive rate available.
Can I add properties to my portfolio loan later?+
This depends on the lender and loan structure. Some New York portfolio lenders offer release clauses that allow you to add or remove individual properties from the blanket mortgage without refinancing the entire loan. Others may require a new loan or modification. We can match you with lenders who offer flexible portfolio structures that accommodate growth.
What is cross-collateralization in a portfolio loan?+
Cross-collateralization means that all the properties in your New York portfolio serve as collateral for the single loan. If you default on one property, the lender has a claim on all properties in the portfolio. While this sounds risky, it is what allows lenders to offer better terms and higher leverage on portfolio loans. Some lenders offer partial release clauses so you can sell individual properties without triggering a full payoff.

Ready to Consolidate Your New York Portfolio?

We shop your New York portfolio to 50+ lenders to find you the best rate. No credit pull. No commitment. Takes 2 minutes.

Get Pre-Qualified →Call (732) 754-2144

Other Loan Products Available in New York

DSCR LoansBridge LoansFix-and-Flip LoansCash-Out RefinanceConstruction LoansCommercial LoansForeign NationalBank Statement

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