Regional Metro Market · New York

Commercial Real Estate Financing in Westchester County, NY

BancorpOne structures senior debt, bridge facilities, and construction loans across Westchester County and the lower Hudson Valley. We finance urban transit-oriented developments in White Plains and New Rochelle, life science and biotechnology flex facilities along the I-287 corridor, and prime neighborhood commercial properties across Scarsdale, Rye, and Yonkers.

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Westchester County & Hudson Valley Basin Local Lending Benchmarks

Multifamily LTV Sizing Up to 75%–80% via Agency programs; 65%–75% for balance sheet executions

Commercial DSCR Requirement 1.25x minimum for multi-tenant office and retail; 1.20x for multifamily

Prevailing Debt Yield 8.75%–9.75% across core Westchester submarkets

Typical Deal Volume $3,000,000 to $65,000,000+

Metro Market Fundamentals & Economic Drivers

▪ Premier suburban market immediately north of New York City, featuring affluent consumer demographics and excellent Metro-North rail transit into Manhattan.
▪ Major life sciences and biotechnology hub centered around the I-287 corridor and Landmark at Eastview campus.
▪ Accelerated downtown transit-oriented residential redevelopments in White Plains, New Rochelle, and Yonkers.

Key Submarket Footprint in Westchester County & Hudson Valley Basin

White Plains Downtown Commercial & Financial Core New Rochelle Transit-Oriented Multifamily District Yonkers Waterfront & Industrial Logistics Hub I-287 Life Sciences & Healthcare Corridor Rye & Port Chester Mixed-Use Corridors Tarrytown & Hudson River Commercial Communities

Direct Underwriting Intelligence

Frequently Answered Financing Questions

Verified answers to common borrower and broker inquiries regarding loan sizing, guidelines, and execution.

Multifamily TOD

What debt options exist for transit-oriented apartment projects in Westchester?

BancorpOne arranges agency permanent loans (Fannie Mae DUS / Freddie Mac Optigo), regional bank construction-to-perm financing, and bridge debt for apartment developments near Metro-North stations.

We underwrite Westchester residential projects considering commuter demographics, parking ratios, PILOT tax agreements, and local rent absorption benchmarks.

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Life Sciences Flex

Can BancorpOne finance life science lab space in Westchester County?

Yes. We structure senior mortgages and transitional debt facilities for R&D flex facilities and biomedical campuses along the I-287 corridor.

Underwriting reviews tenant credit ratings, specialized laboratory infrastructure investments, and remaining lease durations.

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Active Loan Programs & Neighboring Commercial Markets

state New York State Financing Commercial mortgage capital solutions across New York State. metro Manhattan Commercial Financing Institutional debt advisory in Manhattan. property-type Office Property Debt Senior loans and repositioning bridge debt for office assets. loan-program Construction Loan Programs Ground-up and substantial rehabilitation debt facilities.