Jersey City, NJ · Ground-Up Construction Loans
Ground-Up Construction Loans in Jersey City
Fund land, build, and long-term refi in one seamless loan.
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.
Ground-Up Construction Loans: Jersey City terms
Term
12–24 month construction, converts to 30-year DSCR
Leverage
Up to 85% LTC, 70% LTV on completion
Credit minimum
680
Close time
30–45 days
Qualification
Pro-forma DSCR + sponsor build experience
Ideal for
Developers building 1–20 unit ground-up spec, BRRRR investors building instead of buying existing stock, and infill builders with approved permits.
Common questions — Jersey City construction loans
Does 818 Capital offer construction loans in Jersey City?
Yes. 818 Capital Partners arranges Ground-Up Construction Loans for investor properties throughout Jersey City and the greater Hudson County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Jersey City?
12–24 month construction, converts to 30-year DSCR. Up to 85% LTC, 70% LTV on completion. Minimum credit score 680. Typical close time: 30–45 days. Qualification: Pro-forma DSCR + sponsor build experience.
What Jersey City neighborhoods do you lend in?
We actively finance construction loans across Journal Square, Greenville, The Heights, Bergen-Lafayette, and other submarkets of Hudson County.
How fast can 818 Capital close a construction loan in Jersey City?
Our typical close time for a Ground-Up Construction Loans is 30–45 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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction 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.