Top Asset-Based Lenders for Brooklyn Investments, 2026

A Brooklyn investor can get two attractive loan quotes and still be comparing two different kinds of financing. One offer may be based on the value after renovation, while the other depends on whether the rental can support the payments. Add a storefront, a fifth unit, or a plan to take cash out, and eligibility can change before the rate conversation even starts. The real bottleneck is identifying the right property and loan-purpose category, then working out what has to be funded at closing and repaid later. A useful lender comparison separates acquisition funding, permanent rental debt, and equity release, so the borrower can test the right structure against the actual building.

We evaluated six lenders serving New York during October 2026, comparing short-term and permanent financing for Brooklyn investment properties through published programs, transaction examples, and available borrower feedback. We Lend publishes this comparison, and it focuses on property eligibility, rental-financing choices, and equity-release conditions.

The comparison covers business-purpose investment financing, including permanent DSCR rentals and temporary funding for properties in transition. Owner-occupied home-purchase bridges are outside its scope. The evaluation used seven weighted criteria, listed in descending order:

• Collateral and property eligibility (22%): Fit for residential, small-multifamily, mixed-use, and transitional-property scenarios.
• Exit strategy and loan-term fit (18%): Whether repayment terms suit resale, stabilization, refinancing, or a long-term rental hold.
• Valuation basis and cash required (16%): Published LTV, LTC, and ARV limits and funding structures that help borrowers assess equity and cash requirements.
• Total borrowing cost clarity (14%): Disclosure of rates, points, fees, prepayment terms, and interest on undrawn funds.
• Complex-deal underwriting access (12%): Documented access to underwriting and review of unusual collateral or deal structures.
• Brooklyn / NYC execution evidence (10%): Relevant transactions and local program evidence, with an office address alone carrying less weight.
• Product-specific funding process (8%): Applicable closing requirements, timelines, draw procedures, and servicing arrangements.

Each criterion gets a 0–10 editorial fit assessment. Scores of 9–10 mean a strong documented match to this article's scope, 7–8 mean useful fit with identifiable limits, and 5–6 mean a narrower match or partial disclosure. These are comparative assessments of published evidence, not lender-issued ratings, approval probabilities, or promises of performance. The total multiplies each score by its percentage weight and adds the results. Rankings use unrounded totals, displayed to one decimal place.

Published terms and time-sensitive figures below are as of 10/2026 and remain subject to underwriting, including credit, property, and repayment requirements. LTV, LTC, and ARV-based limits use different denominators, so a larger percentage doesn't automatically mean more funding for the same property. The financing percentages are program maximums, not guaranteed cash-to-close figures. Missing rate or fee details require a written quote, and final cash requirements depend on the complete loan structure.

In the table below, we compare the six lenders using the same weighted framework. The company-by-company analysis then explains their property fit, repayment structures, and practical trade-offs.

The Top Asset-Based Lenders for Investment Properties in Brooklyn of 2026

We Lend, for complex Brooklyn property financing

We Lend is a founder-led, friends-and-family-backed private lender. We've funded more than $700 million in New York and New Jersey, with a $20 million Webster Bank credit facility, zero principal loss, and a 68% repeat borrower rate. That track record backs up our relationship-based approach. We review each deal individually on asset quality, deal structure, and exit strategy, across residential, mixed-use, multifamily, and commercial properties. Our homepage advertises one-hour term sheets, while our fix-and-flip page states 2–4 hours, so confirm timing for the product you choose. The team reviewing your deal has funding authority, which cuts out handoffs between review and decision.

The practical step is choosing the right product. Our combined program table lists 6–24-month bridge terms and 30-year DSCR financing for 1–10-unit properties. Typical closings are 3–10 days for bridge and 10–21 days for DSCR, with a 620 minimum FICO for both. Bridge loans start at $250,000 and DSCR at $150,000. Commercial proceeds and conditions still need asset-specific confirmation. Our broader collateral scope and direct underwriting explain our overall position, while more specialized rental lenders may offer a clearer dedicated rehab-to-rental transition. Compare the complete quote instead of assuming the lowest rate or highest financing limit wins.

• Location: New York metro area
• Property Focus: Residential, multifamily, mixed-use, and commercial assets
• Financing Structure: Short-term bridge, long-term DSCR, construction, and rescue financing
• Published Terms: Combined bridge table from 10%, 6–24 months, $250,000 minimum; DSCR from 5.99%, $150,000 minimum, as of 10/2026; commercial terms by asset-specific quote
• Services: Acquisition, refinancing, rental financing, construction, and complex-deal lending

Express Capital Financing, for mixed-use and rental-property choices

Express Capital Financing gives Brooklyn investors a local contact and a detailed way to separate transitional collateral from stabilized rentals. Its multifamily and mixed-use bridge program covers buildings with five or more residential units and properties that combine residential and commercial space. The published matrix lists $250,000–$10 million loans, up to 75% LTV, 100% rehab financing, and 12–36-month terms. That helps a borrower frame a specific request: acquisition, renovation, refinancing, or cash-out. In-house underwriting, funding, and draws keep those stages inside one lending operation, and a dedicated officer prepares a property-specific quote.

For rental holds, its DSCR program covers residential properties with one to nine units, condos, and townhomes, with up to 85% LTV for qualifying scenarios. That maximum isn't a separately confirmed cash-out ceiling, and residential DSCR eligibility shouldn't be assumed from the bridge program's mixed-use coverage. The bridge matrix publishes rates from 10.5% and points from 2%, with no prepayment penalty, while the DSCR matrix lists several prepayment options. Those starting figures are screening tools, not a final cost calculation. Borrowers should confirm the valuation basis, draw conditions, and loan-purpose-specific financing limits before relying on the published maximum.

• Location: Brooklyn, New York; additional office in West Long Branch, New Jersey
• Property Focus: Multifamily and mixed-use bridge collateral; residential DSCR properties with 1–9 units
• Financing Structure: 12–36-month bridge loans and long-term DSCR rental loans
• Published Terms: Bridge from 10.5%, points from 2%, up to 75% LTV; DSCR from 6.25%, as of 10/2026
• Services: Purchase, refinance, cash-out, and renovation financing

Bayport Funding, for local development and rental alternatives

Bayport Funding brings specific Brooklyn transaction evidence to a comparison that could otherwise lean on broad coverage claims. A published Bushwick transaction documents a $1.16 million acquisition and construction loan for a two-family property on Greene Avenue. Its current program overview includes light and heavy rehab, multifamily construction, mixed-use properties, condo development, and DSCR rentals. The company says it lends from its own balance sheet, with in-house underwriting and draw management. For an investor coordinating work after acquisition, the draw team matters, because access to renovation capital is still part of execution after the purchase closes.

The 1–4-family RTL matrix lists up to 92.5% total loan-to-cost, 75% loan-to-after-repair-value, and 12–18-month interest-only terms. Separate rental-property and portfolio programs offer 30-year financing with up to 75% of value and one-to-five-year prepayment-penalty options. These are different products, so their limits shouldn't be combined into one offer. Bayport's trade-off is cost visibility: the RTL matrix specifies a fixed-rate structure without a numerical interest rate or complete fee schedule. Its property breadth and local transaction evidence carry more weight in this comparison than price disclosure alone. Confirm the complete quote, early-payoff costs, and product-specific timeline before relying on the homepage's fastest funding claim.

• Location: Great Neck Plaza, New York
• Property Focus: Residential, multifamily, mixed-use, and condo-development programs
• Financing Structure: 1–4-family RTL at 12–18 months; separate 30-year rental and portfolio financing
• Published Terms: RTL up to 92.5% TLTC and 75% LTARV; numerical rate and full fee schedule not publicly listed in that matrix
• Services: Acquisition, rehab, construction, rental, and portfolio financing

LendingOne, for residential rental-financing choices

LendingOne offers a clear permanent-financing option for a qualifying Brooklyn residential rental. Its DSCR program covers non-owner-occupied single-family homes, 2–4-unit properties, condos, and townhouses. Published limits separate purchases and rate-and-term refinancing at up to 80% LTV from cash-out refinancing at up to 75% LTV. The program also lists 90-day cash-out seasoning and prepayment options from zero to five years, which helps an owner compare releasing equity with simply replacing existing debt. Its New York program page confirms state availability and in-house underwriting. A storefront-and-apartments building needs separate eligibility confirmation instead of assuming the residential DSCR terms apply.

For a property that needs work before the rental hold, the separate Fix to Rent program links acquisition and rehab financing to a DSCR refinance. It publishes up to 95% LTC, a nine-month interest-only term, and refinance incentives, including a 50% origination-fee discount. Choosing not to refinance adds one point to the payoff, so switching the plan to resale has a disclosed cost. The limitation is keeping property eligibility and timing aligned. The residential DSCR scope is narrower than explicit mixed-use or broader commercial programs, and the nine-month term needs a realistic renovation, lease-up, and refinance schedule.

• Location: Boca Raton, Florida; New York lending programs available
• Property Focus: Non-owner-occupied residential rentals, 1–4-unit properties, condos, and townhouses
• Financing Structure: Long-term DSCR rentals; separate nine-month fix-to-rent pathway for eligible rehab projects
• Published Terms: Fix-to-rent up to 95% LTC; DSCR purchase up to 80% LTV and cash-out up to 75% LTV
• Services: Fix and flip, fix to rent, DSCR, SFR portfolio, and construction financing

Asset Based Lending, for residential bridge and rental financing

Asset Based Lending offers a direct-lender route for residential investors who need temporary acquisition or equity-release financing before selling or moving into a rental loan. Its bridge program covers single-family homes, multifamily properties, and condos, with blanket loans available for multiple properties. Published terms include 12–24 months, up to 70% loan-to-after-repair-value, and loans from $75,000. That lower loan floor makes it relevant to requests below some competitors' minimums. ABL says loans are funded in-house, and its operating model includes internal underwriting and dedicated support through draws and payoff.

For longer holds, the homepage lists 30-year rental loans with up to 80% LTV. Its New York lending page describes market-specific programs, although borrowers should confirm eligibility instead of treating residential programs as mixed-use financing. The limitation is consistency of public terms. The bridge page advertises rates as low as 8.99%, while its FAQ says as low as 11%. These are conflicting starting-rate disclosures as of 10/2026, not a confirmed borrower rate range, so get a written quote that includes points and prepayment terms. The bridge FAQ also states closings in as few as 20 days, so confirm whether that schedule works for the acquisition or refinance deadline.

• Location: Jersey City, New Jersey
• Property Focus: Single-family, multifamily, and condo investment properties
• Financing Structure: 12–24-month bridge and separate 30-year rental financing
• Published Terms: Bridge up to 70% LTARV; rental up to 80% LTV; current bridge rate requires a quote because public disclosures differ
• Services: Bridge, fix and flip, rental, new construction, and blanket financing

Emerald Creek Capital, for larger commercial bridge requests

Emerald Creek Capital serves the larger commercial end of Brooklyn investment financing. Its 2026 lending parameters list $2 million–$75 million loans, terms up to three years, interest-only payments, and up to 65% LTV. National collateral includes multifamily, mixed-use, retail, warehouses, industrial, and self-storage, with other asset types considered in core markets. The document names tenant improvements, non-stabilized properties, and cash-out among its scenarios, which makes the program relevant when the building's current use and operating condition call for a commercial structure. It also publishes a 1% origination fee, no prepayment penalty, and a 1–2-week closing window, which makes an initial cost-and-timing comparison more specific.

The $2 million minimum and temporary structure limit its relevance to smaller residential requests and owners seeking permanent rental debt. A 2014 Brooklyn mixed-use transaction supplies historical local evidence, not current neighborhood statistics or loan terms. Pricing starts at SOFR plus 3.45% as of 10/2026. The margin isn't the complete interest rate, so confirm the benchmark, any rate floor, and additional charges. The commercial program may fit a qualifying warehouse or mixed-use building better than its overall position suggests, but the borrower still needs a sale or refinance plan that works with the maturity date.

• Location: New York, New York; additional offices in Florida and Pennsylvania
• Property Focus: Multifamily, mixed-use, warehouse, retail, industrial, and self-storage collateral
• Financing Structure: 1–3-year interest-only bridge loans
• Published Terms: $2 million–$75 million, up to 65% LTV, SOFR + 3.45% starting spread, 1% origination, no prepayment penalty, as of 10/2026
• Services: Acquisition, refinancing, value-add, repositioning, and cash-out financing

The Top Asset-Based Lenders in Brooklyn by Specialty

We also broke down the top companies into three subcategories based on specialty.

Brooklyn and NYC Property-Specific Underwriting

This order prioritizes relevant local transaction and program evidence. For otherwise comparable fits, the tie-break criterion is Brooklyn / NYC execution evidence.

1. Bayport Funding: Its published Bushwick acquisition-and-construction loan provides a specific local example alongside mixed-use and multifamily programs.
2. We Lend: Our New York metro focus, broad commercial collateral scope, and asset-by-asset underwriting suit property-specific conversations across more than one loan category.
3. Express Capital Financing: A Brooklyn office and a published mixed-use bridge matrix make local access and initial eligibility easier to assess together.
4. Emerald Creek Capital: Its historical Brooklyn mixed-use transaction and current commercial parameters offer relevant evidence for larger requests, subject to the $2 million loan minimum.
5. Asset Based Lending: Dedicated New York programs and residential bridge eligibility make it relevant for qualifying residential assets, with mixed-use eligibility needing separate confirmation.

Rental Holds and Rehab-to-Rental Exits

This order prioritizes the documented transition or permanent-rental structure. For otherwise comparable fits, the tie-break criterion is exit strategy and loan-term fit.

1. LendingOne: Its dedicated Fix to Rent program connects rehab financing to DSCR refinancing and publishes the related discounts and non-refinance charge.
2. Express Capital Financing: Its residential DSCR matrix covers 1–9 units and lists multiple long-term structures, helping investors screen small-multifamily rental fit.
3. Bayport Funding: Separate 30-year single-property and rental-portfolio programs give qualifying buy-and-hold borrowers an explicit permanent-financing alternative.
4. Asset Based Lending: Its published bridge-to-permanent-rental approach and separate 30-year rental program support residential investors moving from temporary financing to a hold.
5. We Lend: Our 30-year DSCR product covers 1–10-unit properties, although borrowers should confirm the refinance requirements rather than assume a linked rehab-to-rental package.

Cash-Out and Equity-Release Financing

This order prioritizes applicable collateral and explicit cash-out structures. For otherwise comparable fits, the tie-break criterion is valuation basis and cash required.

1. LendingOne: Its DSCR program publishes a 75% LTV cash-out ceiling and 90-day seasoning, which makes the equity-release conditions comparatively easy to screen.
2. Express Capital Financing: Its mixed-use bridge and residential DSCR matrices both list cash-out, giving broader collateral choices, although the applicable cash-out ceiling needs confirmation rather than assuming the general DSCR maximum.
3. Asset Based Lending: Its bridge page expressly supports refinancing to release equity, with blanket loans available when multiple qualifying properties are involved.
4. Emerald Creek Capital: Its commercial platform lists cash-out as an eligible use, with a 65% LTV ceiling and $2 million minimum narrowing the borrowers it fits.
5. Bayport Funding: Its condo-unit rental matrix expressly includes refinance with cash-out, a specific equity-release route whose cash-out limit has to be confirmed separately from its purchase limit.

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