Northeast · Multifamily · First lien

    Multifamily hard money loans in New York (NY).

    First-position multifamily loans across New York (NY). Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000. Reviewed and decided directly by the principals.

    Yes. Stokley Capital makes first-position multifamily hard money and bridge loans across New York (NY), typically $500,000 to $5 million, with larger loans up to $10 to $15 million considered case by case and no loans under $500,000. Every loan is business-purpose and subject to underwriting.

    Submit a dealFull request on this page

    Stokley Capital Intelligence · Updated September 2026

    Multifamily Market Outlook 2026

    A structured view of the developments shaping multifamily, and the situations those developments may create for owners, lenders and investors.

    Read the multifamily analysis

    New York market context

    The economy behind the collateral.

    New York's economy spans global finance and media concentrated in New York City, upstate manufacturing and higher education hubs, and logistics corridors along the Thruway and Hudson Valley. The state supports one of the nation's largest and most varied commercial property markets.

    • Finance and banking
    • Media and technology
    • Higher education
    • Healthcare
    • Manufacturing
    • Logistics and distribution
    • Tourism

    Multifamily underwriting

    Sized to as-is value.

    Loans are sized to as-is real estate value, in first position, as bridge and hard money. Net operating income and projections do not set the loan amount.

    • Trailing rent roll, collections and concessions
    • Unit condition and the real cost of turns and deferred capex
    • Expense load: insurance, taxes, payroll and utilities
    • Submarket rents and competing new supply
    • Sponsor's operating track record and management plan

    Situations

    Multifamily loans we see in New York.

    • Floating-rate bridge loans maturing before the property is ready for agency debt
    • Acquisitions of underperforming communities with a renovation plan
    • Lease-up after a renovation or new delivery
    • Partnership disputes that require a buyout

    Selling a multifamily property in New York? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.

    New York metros

    Local lending pages.

    We lend across New York, not only in these metros. Each page covers the local economy and a direct request form.

    Hard money lending guidelines

    Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.

    Term
    6 to 12 months
    Payments
    Interest only
    Loan-to-value
    Up to 70%
    Lien position
    First position only

    Third-party closing costs are separate.

    Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.

    Request loan terms

    New York multifamily loan request.

    Loan request

    1. Contact
    2. Deal
    3. Documents

    Step 1 of 3 · about 20 sec left

    Only your email is required. No application fee, no obligation.

    We'll save your progress and may email you a link to finish. The link expires in 14 days.

    Submit a deal if you only have the basics.

    Submitting a request is not an application for credit and creates no obligation on either side. Any financing is subject to underwriting, diligence and approval.

    Questions

    New York multifamily loans, answered.

    Does Stokley Capital make multifamily loans in New York?
    Yes. We make first-position multifamily hard money and bridge loans throughout New York (NY), including New York City, Brooklyn, Buffalo, Rochester and smaller markets.
    How large are your New York multifamily loans?
    Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000.
    What should a New York multifamily loan request include?
    Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
    Are you a broker?
    No. Stokley Capital is a direct private lender. Requests are reviewed and decided in-house.

    Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.

    Next step

    Financing multifamily in New York?

    Send the property, amount and deadline. A principal will respond directly.

    Submit a dealFull request form
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