Jersey City, NJ · Fix & Flip Loans
Fix & Flip Loans in Jersey City
Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 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.
Fix & Flip Loans: Jersey City terms
Term
6–18 month terms, interest-only
Leverage
Up to 90% LTC, 75% ARV
Credit minimum
660
Close time
10–21 days
Qualification
ARV and scope-of-work; liquidity ≥ 10% of loan
Ideal for
Active flippers running 1–10 projects a year, new flippers with one successful deal under their belt, investors rehabbing to refi into a DSCR (we pre-approve the exit), and BRRRR investors stacking flips into rentals.
Common questions — Jersey City fix & flip loans
Does 818 Capital offer fix & flip loans in Jersey City?
Yes. 818 Capital Partners arranges Fix & Flip Loans for investor properties throughout Jersey City and the greater Hudson County market. Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 days.
What are typical fix & flip loan terms in Jersey City?
6–18 month terms, interest-only. Up to 90% LTC, 75% ARV. Minimum credit score 660. Typical close time: 10–21 days. Qualification: ARV and scope-of-work; liquidity ≥ 10% of loan.
What Jersey City neighborhoods do you lend in?
We actively finance fix & flip loans across Journal Square, Greenville, The Heights, Bergen-Lafayette, and other submarkets of Hudson County.
How fast can 818 Capital close a fix & flip loan in Jersey City?
Our typical close time for a Fix & Flip 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.
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
Fund the build. Refinance into a DSCR on stabilization.
Fix & Flip 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.