Manhattan, KS DSCR Loans
DSCR loans have revolutionized rental property investing in Manhattan, offering savvy real estate entrepreneurs a powerful financing tool based on property performance rather than personal income constraints. Watermen Capital, as leading DSCR lenders serving Manhattan investors, provides specialized DSCR financing for both residential rentals (1-4 units) and small multifamily properties (5-8 units) throughout Manhattan's diverse neighborhoods. Our DSCR loans evaluate each property's debt service coverage ratio, measuring its ability to generate sufficient rental income to cover loan payments and operating expenses. This investment property focused approach allows Manhattan landlords to scale their portfolios more effectively than possible with conventional financing options that emphasize borrower income over property performance.
Watermen Capital's DSCR loans empower Manhattan investors to build substantial rental portfolios by qualifying based on property performance rather than personal income limitations. Our innovative DSCR financing programs cover residential investment properties from single family homes to eightplexes, with loan structures specifically designed for the unique cash flow characteristics of income producing real estate. As knowledgeable DSCR lenders focused on Manhattan's diverse rental markets, we understand the metrics that matter most for successful property investing. Whether acquiring established rentals or properties requiring strategic improvements to increase income potential, our DSCR loans provide the financial foundation necessary for sustainable portfolio growth in Manhattan's competitive real estate environment.
Home Value Trend in Manhattan
Year over Year| 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| $249,934 | $271,147 | $281,296 | $291,284 | $302,557 |
| 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| $1,189 | $1,253 | $1,302 | $1,373 | $1,418 |
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Where We Lend
Watermen currently lends on residential properties in Alabama, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.
Watermen is not currently licensed in AZ, ID, MN, ND, NV, OR, SD, UT or VT. Watermen Capital LLC is licensed or exempt from licensing in all other states. Your annual percentage rate may be increased after the fixed-rate period expires. Loans are subject to additional underwriting criteria.