Jersey City, NJ · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Jersey City
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: Jersey City terms
Term
30-year fixed, 10-year I/O, 5/1 ARM
Leverage
Up to 75% LTV purchase
Credit minimum
680
Close time
25–35 days
Qualification
STR DSCR ≥ 1.0 on AirDNA or verified operating history
Ideal for
STR investors tired of lenders using LTR rent comps that kill the deal, Airbnb hosts buying their 2nd–10th property, investors in regulated STR markets (Nashville, Austin, Orlando) who need a lender that understands the rule set.
Common questions — Jersey City STR loans
Does 818 Capital offer STR loans in Jersey City?
Yes. 818 Capital Partners arranges Short-Term Rental (STR) Loans for investor properties throughout Jersey City and the greater Hudson County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Jersey City?
30-year fixed, 10-year I/O, 5/1 ARM. Up to 75% LTV purchase. Minimum credit score 680. Typical close time: 25–35 days. Qualification: STR DSCR ≥ 1.0 on AirDNA or verified operating history.
What Jersey City neighborhoods do you lend in?
We actively finance STR loans across Journal Square, Greenville, The Heights, Bergen-Lafayette, and other submarkets of Hudson County.
How fast can 818 Capital close a STR loan in Jersey City?
Our typical close time for a Short-Term Rental (STR) Loans is 25–35 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.
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.
Short-Term Rental (STR) 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.