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Investment property loans · Bronx County, NY

Hard money, fix and flip and DSCR loans in the Bronx, NY

The Bronx has a deep supply of older apartment buildings, from the 1920s five- and six-story blocks along the Grand Concourse to tenement-style buildings and brownstone rows in Mott Haven, so multifamily buyers model regulated rents and repair costs closely. Smaller investors find two- and three-story houses in Williamsbridge and year-round bungalows in Throggs Neck enclaves like Silver Beach, where the land ownership structure needs a close look.

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Where investors buy

Neighborhoods investors look at in the Bronx

Around the Grand Concourse, the stock is largely 1920s five- and six-story multifamily buildings in Tudor, Renaissance, Colonial Revival and Art Deco styles, while Mott Haven has late 19th-century brownstone rows. Neighborhoods to the north, such as Williamsbridge, add detached, semi-detached and attached small houses.
Mott HavenTenement-style apartment buildings, three brownstone historic districts and newer rowhouses and mid-rise buildings along the East 138th Street corridor.
ConcourseFive- and six-story 1920s apartment buildings, much of it inside the Grand Concourse Historic District designated in 2011.
WilliamsbridgeMostly two- and three-story owner-occupied houses and clusters of one- and two-family homes, mixed with moderate-size multi-unit buildings.
Throggs NeckMiddle-class homes, waterfront condos and former bungalow colonies such as Silver Beach, where residents own their houses but rent the land.

Loan programs

Loans for Bronx real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in the Bronx

30-year loans for Bronx rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in the Bronx

Buy and renovate in the Bronx with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in the Bronx

Close quickly on a Bronx property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in the Bronx

Financing for new builds in the Bronx, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in the Bronx

Financing for Bronx apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in the Bronx

Local rules and costs that change a deal's numbers or closing date in the Bronx and Bronx County. Sources are listed at the bottom of the page.
  • Before buying an apartment building, pull its HCR rent registration history; buildings with six or more units built before 1974 are often rent stabilized, and stabilized units stay regulated regardless of rent level under the 2019 law.
  • For buildings over 25,000 gross square feet, check Local Law 97 emissions limits, which took effect in 2024 and tighten in 2030; owners file annual reports and face penalties per ton over the cap.
  • In rental buildings of three or more units built before 1960, budget for Local Law 1 lead-paint turnover work and the one-time testing of painted surfaces the city required by August 2025.
  • If the building is in the Grand Concourse or Mott Haven historic districts, allow for Landmarks Preservation Commission permits before exterior work.

Funded deals

Recent closings in the Bronx

Loan type, amount and leverage on closings we've published.
All funded deals
Fix and flip

Bronx, NY

Funded

$523,500

Leverage
90% LTV

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Have a Bronx property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in the Bronx: common questions

Do you offer hard money loans in the Bronx?

Yes. United Lending LLC offers private real estate financing for investors in the Bronx and the rest of Bronx County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in the Bronx?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Mott Haven, Concourse and Williamsbridge, among other parts of Bronx.

How much can I borrow for a Bronx flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in the Bronx?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in the Bronx or have a New York LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside New York, your loan officer will tell you what's needed before closing.

New York

More places we lend in New York

Sources (7)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. NYC Rent Guidelines Board: Rent stabilization FAQs
  2. NYS Homes and Community Renewal: Rent regulation
  3. NYC Department of Buildings: LL97 greenhouse gas emissions reductions
  4. NYC HPD: Lead-based paint
  5. NYC Landmarks Preservation Commission: Applications and permits
  6. Wikipedia: Concourse, Bronx
  7. Wikipedia: Throggs Neck, Bronx