Fix and flip
Purchase and rehab in one facility. Rehab released in draws against completed work, inspected and wired same day.
$25K to $1M+ · 5 to 10 days
Home / Where we lend / New Jersey
Hard money lender in New Jersey.
Purchase and rehab funded together across New Jersey, $25K to $1M+. Written terms in 24 to 48 hours and a wire in 5 to 14 days.
Submit a dealLending is nationwide. See all markets.
The market
What actually trades in New Jersey.
The two-family is the workhorse here. It appraises against comparables and it rents on income, so the same building supports a flip or a hold depending on where the market sits when the work finishes, and that optionality is worth underwriting for. North Jersey runs on pre-war two and three-family stock; down the shore it is mid-century capes and ranches, where the budget is usually decided by systems rather than by finishes.
Most active markets: Newark, Jersey City, Paterson, Elizabeth, Trenton, Camden, Monmouth and Ocean counties. That list is where the deals have come from rather than a service area, and a property anywhere else in New Jersey is underwritten on the same terms.
Realtor-prepared residential contracts here carry a three business day attorney review, and the contract is not binding until that window closes without a disapproval. It sits in front of everything a lender does, so a deal that reads as a ten day close from signature is longer than that from handshake. Nothing stops title work running in parallel, and on a tight closing date that is usually where the time is found.
Instruments
What gets used here.
These are the ones written most often in New Jersey. The full range is on the main page and none of it is restricted by state.
BRRRR
Short-term acquisition and rehab, structured from day one to refinance cleanly into long-term debt without a seasoning fight.
$25K to $750K · 7 to 12 days
DSCR purchase and refinance
Long-term rental debt qualified on the property's income. No tax returns, no W2s, no employment history.
$75K to $1M+ · 14 to 21 days
Questions
About lending in New Jersey.
Do you only lend in New Jersey?
No. Lending is nationwide. New Jersey has its own page because it is one of the markets deals most often come from, not because it is a boundary. If your property is in another state, submit it and the terms are the same.
Which parts of New Jersey do you lend in?
All of it. The most active markets are Newark, Jersey City, Paterson, Elizabeth, Trenton, Camden, Monmouth and Ocean counties, and those are simply where the most deals have come from rather than a service area.
How fast can you close in New Jersey?
Five to fourteen days in most cases. Written terms come back in 24 to 48 hours, and after that the pace is set by title clearance rather than by me. If you have a hard closing date, say so in the submission and you will get an honest answer about whether it is achievable.
What kind of property do you fund in New Jersey?
Non-owner-occupied residential, one to four units, and small multifamily. Owner-occupied homes and primary residences are not funded anywhere, because this is investment property lending only.
Guides
Worth reading before you submit.
Hard money lending in New Jersey: what actually closes here
New Jersey has its own obstacles: attorney review, high carrying costs, and title work on housing stock old enough to hide things. What that means for a flip.
How to calculate ARV without fooling yourself
After repair value is the number every other number depends on. Here is how to build one from comparable sales, and the five ways it gets inflated.
Holding costs: the line item that quietly eats the profit
Holding costs are small every month and decisive over a project. They are also the number investors most reliably leave out of the model.
Who this is for
Start where you fit.
For investors
Purchase and rehab in one facility, $25K to $1M+. Written terms in 24 to 48 hours and a wire in 5 to 14 days. No committee, no tax returns, one person to call.
For agents
Three ways an agent uses a lender: rescue a listing that will not sell, make an investor buyer credible, or refer the client and get paid for the introduction.
For wholesalers
Same-day capital for the A to B leg of a double close, with a proof of funds letter issued ahead of it so the seller treats your offer as real.
For builders
Land plus vertical, drawn against a schedule of values. Bids get reviewed before close rather than after, so the budget is settled before the first shovel.
Everywhere else
Not in New Jersey?
Lending is nationwide. The states below have their own page because they are where the most deals come from, not because they are the only places money goes. If your property is somewhere else, submit it anyway; the terms do not change with the postmark.
Pennsylvania, New York, Texas, Ohio, Indiana, North Carolina, South Carolina, Virginia, Maryland, Delaware.
Submit a deal
Let's price it.
No credit pull, no obligation, and a real answer either way. If it is not a fit I will tell you why, and usually who to call instead.
- Terms in 24 to 48 hours
- Written, not verbal
- One person, start to finish