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Fix & Flip · New York

Fix & flip loans in New York — fund the deal, keep your cash.

New York is high-value downstate appreciation alongside high-yield upstate cash flow in Buffalo and Rochester. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in New York City, Buffalo, Rochester and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your New York project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance New York projects with Mortava

In a market like New York, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on New York City, Buffalo, Rochester, Albany deals and recycle capital into the next project faster.

Top metros we fund
New York City, Buffalo, Rochester, Albany
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

New York fix & flip loan FAQ

Can I get a fix and flip loan in New York?
Yes. Mortava funds fix & flip projects across New York, including New York City, Buffalo, Rochester, Albany. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a New York flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in New York.
Do you fund first-time flippers in New York?
Yes — first-time flippers are welcome in New York with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
How fast can Mortava close a flip in New York?
New York fix & flip loans can close in as few as 7–10 days, with indicative 2-hour term sheets and rehab draws reimbursed within 24 hours.
What property types qualify for a New York fix & flip loan?
Single-family, 2–4 units, condos, and townhomes across New York. Standard and extensive rehabs both qualify; ground-up construction is reviewed separately.
Fix & flip loans by state
Flip in AlabamaFlip in AlaskaFlip in ArizonaFlip in ArkansasFlip in CaliforniaFlip in ColoradoFlip in ConnecticutFlip in DelawareFlip in FloridaFlip in GeorgiaFlip in HawaiiFlip in Idaho
All Fix & Flip programs → DSCR loans in New York → Instant quote & pre-qualify →