Commercial Mortgage Loans in Westchester County
Commercial Mortgage Loans in Westchester County
Westchester County is one of the most affluent suburban markets in the United States, with a diverse commercial real estate landscape spanning office parks, retail centers, multifamily communities, medical facilities, and industrial properties. Located immediately north of New York City, Westchester offers strong demographics, excellent transit access via Metro-North, and a stable tenant base. Flex V Capital arranges commercial financing for Westchester investors, developers, and business owners from $500K to $30M+.
White Plains serves as Westchester's commercial hub, with a concentration of Class A and B office buildings, retail, and mixed-use development. The downtown White Plains market has seen renewed investment activity as suburban office demand stabilizes and mixed-use redevelopment gains momentum. Yonkers, the county's largest city, offers value-add multifamily and retail opportunities along the waterfront and in its growing downtown.
Medical office and healthcare facilities are a significant segment of the Westchester commercial market, driven by the presence of major hospital systems including Westchester Medical Center, NewYork-Presbyterian, and Montefiore. Flex V Capital arranges owner-occupied commercial mortgages and SBA financing for medical practices purchasing or refinancing their own space.
Multifamily demand in Westchester is supported by strong household incomes, limited new supply, and proximity to New York City. DSCR loans are available for 1–4 family investment properties, while conventional commercial mortgages and agency programs serve larger multifamily assets. Bridge loans are used for acquisitions requiring speed-to-close or value-add repositioning.
Industrial and flex properties in the I-287 corridor and along the Saw Mill River Parkway serve light manufacturing, distribution, and last-mile logistics tenants. Owner-occupied commercial mortgages and SBA 504 programs are available for Westchester business owners purchasing their own industrial or flex space.
Construction financing is available for ground-up multifamily, mixed-use, and commercial projects throughout Westchester County. Flex V Capital works with construction lenders experienced in the Westchester permitting and approval process.
Program Highlights
- Bridge loans from $500K — fast close, flexible terms
- DSCR loans for Westchester investment properties
- Medical office and healthcare facility financing
- Owner-occupied commercial mortgages and SBA programs
- Multifamily acquisition and refinance from $1M+
- Office and retail financing in White Plains and Yonkers
- Industrial and flex property financing along I-287
- No upfront fees — paid at closing
Frequently Asked Questions
What commercial property types does Flex V Capital finance in Westchester County?
We arrange financing for office, retail, multifamily, medical office, industrial, flex, and owner-occupied commercial properties throughout Westchester County, including White Plains, Yonkers, Mount Vernon, New Rochelle, and surrounding municipalities.
Can you finance medical office buildings in Westchester?
Yes. We arrange owner-occupied commercial mortgages and SBA 504 financing for medical practices, dental offices, and healthcare facilities purchasing or refinancing their own space in Westchester County.
What is the typical loan size for a Westchester commercial mortgage?
Most Westchester commercial transactions we arrange range from $750K to $20M. We work on smaller deals for owner-occupied properties and larger transactions for multifamily acquisitions and office buildings.
Are DSCR loans available for Westchester rental properties?
Yes. DSCR loans are available for 1–4 family investment properties and small multifamily buildings in Westchester County. Qualification is based on the property's rental income, not the borrower's personal tax returns.
How does Flex V Capital source lenders for Westchester commercial deals?
We work with a network of regional banks, credit unions, insurance companies, debt funds, and private lenders with experience in the Westchester County market. We match each deal with the lender most likely to approve it at competitive terms.