2026 State DSCR & Cap-Rate Intelligence Report · New York (NY) · arizonaprivatemoneylenders.com

New York (NY) Rental Property DSCR, Tax & Cap-Rate Benchmark Report

New York Executive Underwriting Summary: Across 15 tracked New York investment markets, 1–4 unit rental properties average $545,000 in acquisition price against $3,950/month in Form 1007 market rent (8.70% gross rental yield) and $2,280/door/month on 5–25 unit multifamily assets. Investors underwriting New York DSCR loans must factor a 1.64% effective property tax rate (~$8,938/yr), $580/$100k hazard insurance (~$3,161/yr), and a Judicial (RPAPL Article 13) statutory framework (240–360 days typical timeline).
1–4u Base Price / Rent
$545,000 / $3,950
Gross Rental Yield
8.70% Annual
Tax & Hazard Escrow
1.64% Tax · $580/100k
Foreclosure & Timeline
Judicial (RPAPL Article 13) (240–360 days)

New York City-by-City DSCR, Tax & Multifamily Benchmark Table (15 Markets)

City & CountyPopulation1–4u Median PriceForm 1007 Median RentTax RateCity Desk
New York, NY (NEW YORK County County)9,162,362$595,000$4,400/mo1.61%Open New York Hub →
Buffalo, NY (ERIE County County)282,265$605,000$4,350/mo1.71%Open Buffalo Hub →
Rochester, NY (MONROE County County)229,290$605,000$4,350/mo1.71%Open Rochester Hub →
Yonkers, NY (WESTCHESTER County County)217,745$640,000$4,550/mo1.71%Open Yonkers Hub →
Syracuse, NY (ONONDAGA County County)157,689$555,000$4,050/mo1.64%Open Syracuse Hub →
Albany, NY (ALBANY County County)107,282$490,000$3,600/mo1.64%Open Albany Hub →
New Rochelle, NY (WESTCHESTER County County)86,596$480,000$3,550/mo1.57%Open New Rochelle Hub →
Mount Vernon, NY (WESTCHESTER County County)74,364$490,000$3,600/mo1.64%Open Mount Vernon Hub →
Schenectady, NY (SCHENECTADY County County)71,833$550,000$3,950/mo1.77%Open Schenectady Hub →
Utica, NY (ONEIDA County County)67,371$560,000$4,000/mo1.67%Open Utica Hub →
White Plains, NY (WESTCHESTER County County)63,074$490,000$3,600/mo1.64%Open White Plains Hub →
Hempstead, NY (NASSAU County County)60,343$565,000$4,050/mo1.71%Open Hempstead Hub →
Troy, NY (RENSSELAER County County)54,472$500,000$3,650/mo1.51%Open Troy Hub →
Niagara Falls, NY (NIAGARA County County)53,920$535,000$3,850/mo1.71%Open Niagara Falls Hub →
Binghamton, NY (BROOME County County)50,624$525,000$3,800/mo1.64%Open Binghamton Hub →

Related New York Underwriting & Deal Team Hubs

New York (NY) 2026 DSCR, Cap Rate & Rental Market Intelligence Report | arizonaprivatemoneylenders.com