Investment Property Loans Across New Jersey
Lendiqo lends in all 21 New Jersey counties, from Sussex to Cape May. Choose your county or town to see local property types, the programs that fit and the municipal items to plan for.
South Jersey shore
- Atlantic CountyCounty seat: Mays Landing. DSCR, Fix & Flip, Mixed-Use loans.
- Cape May CountyCounty seat: Cape May Court House. DSCR, Construction, Bridge loans.
North Jersey
- Bergen CountyCounty seat: Hackensack. Construction, DSCR, Mixed-Use loans.
- Essex CountyCounty seat: Newark. Multifamily, DSCR, Mixed-Use loans.
- Hudson CountyCounty seat: Jersey City. Multifamily, Mixed-Use, Construction loans.
- Morris CountyCounty seat: Morristown. Construction, Fix & Flip, DSCR loans.
- Passaic CountyCounty seat: Paterson. Multifamily, DSCR, Bridge loans.
- Union CountyCounty seat: Elizabeth. DSCR, Multifamily, Mixed-Use loans.
South Jersey
- Burlington CountyCounty seat: Mount Holly. DSCR, Fix & Flip, LLC loans.
- Camden CountyCounty seat: Camden. Fix & Flip, DSCR, Bridge loans.
- Cumberland CountyCounty seat: Bridgeton. DSCR, Fix & Flip, LLC loans.
- Gloucester CountyCounty seat: Woodbury. DSCR, Construction, Fix & Flip loans.
- Salem CountyCounty seat: Salem. DSCR, Fix & Flip, LLC loans.
Central/Northwest Jersey
- Hunterdon CountyCounty seat: Flemington. Construction, Fix & Flip, Mixed-Use loans.
Central Jersey
- Mercer CountyCounty seat: Trenton. DSCR, Fix & Flip, Mixed-Use loans.
- Middlesex CountyCounty seat: New Brunswick. DSCR, Multifamily, Fix & Flip loans.
- Somerset CountyCounty seat: Somerville. DSCR, Construction, Mixed-Use loans.
Jersey Shore
- Monmouth CountyCounty seat: Freehold Borough. Mixed-Use, DSCR, Construction loans.
- Ocean CountyCounty seat: Toms River. Construction, DSCR, Fix & Flip loans.
Northwest Jersey
- Sussex CountyCounty seat: Newton. DSCR, Fix & Flip, Construction loans.
- Warren CountyCounty seat: Belvidere. DSCR, Fix & Flip, LLC loans.
What to check in any New Jersey town
These statewide items come up on almost every investor closing in New Jersey.
- Landlord registration. File a landlord registration statement with the municipal clerk for 1–2 unit properties, or with the NJ Department of Community Affairs for most buildings with 3 or more units.
- Certificate of occupancy. Many towns require a CO or continued CO inspection when a property sells or a new tenant moves in. Ask the town before you set a closing or lease date.
- Lead-safe certification. Under P.L. 2021, c.182, many rentals built before 1978 need a lead-based paint inspection at tenant turnover or on the state's schedule.
- Flood zone and insurance. Check the FEMA flood map. If the property is in a special flood hazard area, include flood insurance in the payment.
- Entity in good standing. Keep your LLC's annual report current with the NJ Division of Revenue and Enterprise Services so title can insure the closing.
General information, not legal advice. Requirements vary by municipality.
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.