Hudson County · Jersey City, NJ
Investment Property Loans in Jersey City
Jersey City and the Hudson County waterfront rival Brooklyn on price but beat it on yield in the Journal Square and Greenville submarkets. Investor activity is surging in 2–4 unit value-add and condo-to-rent conversions near Path stations.
Our edge here: NJ prepayment-penalty law (2026) changes the math on most DSCR loans — we structure around it and get borrowers the flexibility to refinance.
Loan programs available in Jersey City
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
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Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
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Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
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Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
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Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
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Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
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