South Jersey · County seat: Camden
Investment Property Loans in Camden County, NJ
Fix & Flip, DSCR, Bridge and other business-purpose loans for investors across Camden County, including the county seat, Camden.
Investing in Camden County
Camden County faces Philadelphia across the Delaware River. The Ben Franklin and Walt Whitman bridges and the PATCO Speedline, which runs from Lindenwold through Cherry Hill, Haddonfield and Collingswood into Center City, tie much of the county to Philadelphia's job market. The county seat is the City of Camden.
Housing ranges from rowhomes and twins in Camden, Gloucester City and Pennsauken to postwar split-levels in Cherry Hill and newer subdivisions toward Winslow Township. That range supports almost every investor strategy: rehab-to-rent and BRRRR projects, cosmetic flips, and long-term DSCR rentals for commuters.
How we lend here
A lot of the older stock was built before 1978, so we plan for New Jersey's lead-safe inspection rules on rentals. We also look at the town's certificate of occupancy process, since many Camden County municipalities inspect at resale or tenant turnover.
Towns we lend in: Camden, Cherry Hill, Pennsauken, Voorhees, Haddonfield, Collingswood, Gloucester City, Lindenwold and Winslow.
Loans that fit Camden County properties
Short-term purchase and rehab loans for 1–4 unit investment properties, with renovation money released in draws.
30-year rental loans for purchases and refinances that qualify on the property's rent instead of your personal income.
Short-term financing to close fast, reposition or lease up a property before long-term financing.
We also offer multifamily loans, mixed-use loans, construction loans, LLC loans in Camden County.
Town guides in Camden County
Before you close in Camden County
Check these with the municipality and your attorney before you close on a rental or rehab in Camden County.
- 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.
Camden County investor loan FAQ
Can I use a fix and flip loan and then refinance into a DSCR loan in Camden County?
Yes. Many investors buy and renovate with a short-term rehab loan, lease the property, and then refinance into a 30-year DSCR loan. Ask about seasoning requirements before you close on the rehab loan so the refinance is planned from day one.
Do you lend to LLCs buying property in Camden County?
Yes. Every Lendiqo loan in Camden County is a business-purpose loan to an LLC or other entity on non-owner-occupied investment property. Members usually sign a personal guarantee.
Can I refinance a renovated Camden County property into a long-term loan?
Yes. Once the renovation is finished and the property is leased, a 30-year DSCR loan can pay off the short-term loan. It qualifies on the rent, not your personal income.
Financing a property in Camden County?
Send the basics on a property and a loan officer will follow up. You'll hear back from a person, not a call center.