Business-purpose lending · Lawrence Township, NJ
Real Estate Investor Loans in New Jersey
DSCR rental, fix and flip, bridge, multifamily, mixed-use and ground-up construction loans for investors who buy in an LLC. We lend in all 21 New Jersey counties from our office in Lawrence Township.
Loan programs for every stage of a deal
Buy, fix, build, rent or refinance. Every program is for non-owner-occupied investment property.
DSCR Rental Loans
30-year rental loans for purchases and refinances that qualify on the property's rent instead of your personal income.
Learn more →Fix & Flip Loans
Short-term purchase and rehab loans for 1–4 unit investment properties, with renovation money released in draws.
Learn more →Bridge Loans
Short-term financing to close fast, reposition or lease up a property before long-term financing.
Learn more →Multifamily Loans
Acquisition, value-add bridge and construction financing for 5+ unit apartment buildings.
Learn more →Mixed-Use Loans
DSCR and bridge financing for buildings with apartments over stores or offices.
Learn more →Construction Loans
Non-bank financing for land, site work and vertical construction, funded in draws.
Learn more →LLC Loans
Every Lendiqo program is built for investors who buy and hold in an LLC.
Learn more →How it works
- 1
Tell us about the deal
Fill out the short application or call. Have the property address, the purchase price or value, your plan and the loan amount you want.
- 2
Get terms
A loan officer reviews your scenario, asks any follow-up questions and sends written terms. [CONFIRM: Quote turnaround time (current site: 24 hours)]
- 3
Underwriting and appraisal
Upload your LLC documents and bank statements. We order the appraisal and title and work with your attorney.
- 4
Close and fund
Sign with your attorney or title company. Rehab and construction draws are released as work is inspected.
Why New Jersey investors work with Lendiqo
- We're investors too. We deal with rehab budgets, contractor delays and refinance timing ourselves.
- Local knowledge. We plan for certificate of occupancy rules, lead-safe rules, rent control towns and shore flood zones before closing.
- A plan for the exit. We structure the short-term loan with the sale or the long-term DSCR refinance in mind.
- Straight answers. You get written terms you can compare, with no commitment needed to see a quote.
Lendiqo by the numbers
Where we lend in New Jersey
Each county guide covers local property types, the programs that fit and the municipal items to check before closing.
- Atlantic County
- Bergen County
- Burlington County
- Camden County
- Cape May County
- Cumberland County
- Essex County
- Gloucester County
- Hudson County
- Hunterdon County
- Mercer County
- Middlesex County
- Monmouth County
- Morris County
- Ocean County
- Passaic County
- Salem County
- Somerset County
- Sussex County
- Union County
- Warren County
Popular markets
Investor guides
How DSCR Loans Work in New Jersey: A Plain-English Guide for Rental Investors
What a DSCR loan is, how lenders calculate the ratio, what documents you need, and what NJ rental investors should check before closing in an LLC.
Fix and Flip Loans in New Jersey: LTC, ARV and Draws Explained
How NJ fix and flip and hard money loans are sized (LTC and ARV), how rehab draws work, and what to prepare before you make an offer.
Why Real Estate Investors Borrow Through an LLC in New Jersey
Why NJ investors buy and finance rentals and flips in an LLC, which loans lend to LLCs, and the documents lenders ask for.
Common questions
What is a business-purpose loan?
A loan to a business entity, such as an LLC, to buy, renovate, build or refinance investment property. It isn't for a home you or your family live in, and it isn't a consumer loan.
Do you lend outside New Jersey?
New Jersey is our focus. Ask us about deals in neighboring states. [CONFIRM: States where Lendiqo lends]
How fast can you close?
It depends on the program, the appraisal and title. Fix and flip and bridge loans usually close faster than long-term loans. [CONFIRM: Typical closing timeline by program]
Do I need an LLC to apply?
You need an entity to close. You can apply while you form one, and we'll tell you which documents to have ready.
Ready to talk about a deal?
Send the basics on a property and a loan officer will follow up. You'll hear back from a person, not a call center.