Upstate is where our New York book lives.
Our New York lending is concentrated in Upstate and the Hudson Valley: Buffalo, Rochester, Syracuse, Albany, and the Hudson Valley corridor. We generally avoid NYC-five-boro deals due to tenant-protection complexity, but Upstate NY is a strong investor market and we lend there actively.
Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.
Where Pimlico Capital has an active book and on-the-ground knowledge in New York.
Buffalo, Rochester, Niagara: strong rent-to-price ratios.
Syracuse, Binghamton, Ithaca: workforce and student rental.
Albany, Troy, Schenectady, Saratoga.
Dutchess, Ulster, Orange, Sullivan: STR and second-home flips.
A non-exhaustive list of the state- and city-specific things we deal with every day.
A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.
Get a quote online or call us. We'll size the deal in 24 hours.
Our in-house team underwrites with local knowledge, not a scoring algorithm.
5–10 business days for bridge, 3–4 weeks for 30-year rental.
Financing guides and deal breakdowns from our lending team. Browse every market we serve on our Where We Lend page.
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55+ investor guides covering DSCR, bridge loans, fix-and-flip, BRRRR, market updates, and more.
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