Jersey City, NJ · Bridge Loans
Bridge Loans in Jersey City
Move fast when the deal demands it. Bridge in 10 days.
Why Jersey City investors choose 818
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.
Bridge Loans: Jersey City terms
Term
6–24 month terms, interest-only
Leverage
Up to 75% LTV, 80% LTC on value-add
Credit minimum
660
Close time
10–21 days
Qualification
Asset-based underwriting + exit strategy
Ideal for
Auction buyers, 1031 investors on a clock, value-add sponsors needing to close before starting the business plan, and investors whose equity is tied up in a pending sale.
Common questions — Jersey City bridge loans
Does 818 Capital offer bridge loans in Jersey City?
Yes. 818 Capital Partners arranges Bridge Loans for investor properties throughout Jersey City and the greater Hudson County market. Move fast when the deal demands it. Bridge in 10 days.
What are typical bridge loan terms in Jersey City?
6–24 month terms, interest-only. Up to 75% LTV, 80% LTC on value-add. Minimum credit score 660. Typical close time: 10–21 days. Qualification: Asset-based underwriting + exit strategy.
What Jersey City neighborhoods do you lend in?
We actively finance bridge loans across Journal Square, Greenville, The Heights, Bergen-Lafayette, and other submarkets of Hudson County.
How fast can 818 Capital close a bridge loan in Jersey City?
Our typical close time for a Bridge Loans is 10–21 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Jersey City
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Bridge Loans in other markets
Ready to close your Jersey City deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.