Utica, NY · ONEIDA County County · 2026 Population: 67,371 · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873

Utica, New York DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Utica, NY Local Underwriting Snapshot (ONEIDA County County): With a 2026 population of 67,371, Utica carries an effective property tax rate of 1.67%, a median 1–4 unit investment property price of $560,000, and a median market rent of $4,000/mo. At 75% LTV ($420,000 loan amount), estimated monthly PITIA is $3,768/mo, yielding an estimated baseline DSCR of 1.06x. For 5–25+ unit apartment buildings in Utica, typical valuation averages $235,200/door with $2,325/mo/door market rents.

County & 2026 PopulationONEIDA County County (67,371)

Effective Property Tax Rate1.67% ($779/mo)

Median 1–4 Unit Price & Rent$560,000 · $4,000/mo

5–25+ Unit Multifamily Avg$235,200/door · $2325/mo

NY Foreclosure & SecurityJudicial (RPAPL Article 13) (240–360 days)

Utica, NY Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $560,000·Loan/Door: $420,000·Avg Rent/Door: $4,000/mo

Property Value / Purchase Price$560,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR AirDNA)$4,000/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 109 bps · 7500 bps LTV · 6625 bps Rate

1.09x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$420,00042,000,000 _cents

Monthly P&I Debt Service$2,689/mo@ 6.625% Note Rate

Total Monthly PITIA$3,665/moTax: $779 · Ins: $196

Net Monthly Cash Flow+$335/mo$4,024/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$3,665/mo	1.09x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$3,734/mo	1.07x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$3,425/mo	1.17x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Utica, NY Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Utica (ONEIDA County County, NY) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (AirDNA / 12-month booking ledger) subject to local municipal registration.

New York Statutory Security Instrument: Loans in Utica (ONEIDA County County) are secured via Mortgage Instrument under New York's Judicial (RPAPL Article 13) framework (240–360 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..