Jersey City, NJ · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Jersey City
5+ unit deals need a lender who's closed them. We have.
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.
Apartment & Multifamily Loans: Jersey City terms
Term
2-year bridge through 30-year permanent
Leverage
Up to 80% LTV (agency), 75% LTC (bridge)
Credit minimum
Sponsor experience-driven, 680+ typical
Close time
45–75 days
Qualification
Property NOI + sponsor track record
Ideal for
Small multifamily investors stepping up from 2–4 unit, syndicators raising capital who need a reliable debt quote, 1031 exchange buyers targeting multifamily, and bridge-to-perm rehab plays.
Common questions — Jersey City apartment loans
Does 818 Capital offer apartment loans in Jersey City?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Jersey City and the greater Hudson County market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Jersey City?
2-year bridge through 30-year permanent. Up to 80% LTV (agency), 75% LTC (bridge). Minimum credit score Sponsor experience-driven, 680+ typical. Typical close time: 45–75 days. Qualification: Property NOI + sponsor track record.
What Jersey City neighborhoods do you lend in?
We actively finance apartment loans across Journal Square, Greenville, The Heights, Bergen-Lafayette, and other submarkets of Hudson County.
How fast can 818 Capital close a apartment loan in Jersey City?
Our typical close time for a Apartment & Multifamily Loans is 45–75 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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Apartment & Multifamily 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.