Camden · Camden County, NJ
Fix and Flip & Rental Loans in Camden, NJ
Business-purpose financing for investors who buy, renovate, build or refinance in Camden, Camden County.
Investing in Camden
The City of Camden is the Camden County seat, on the Delaware River across from Philadelphia. The Ben Franklin Bridge, PATCO Speedline and the River LINE connect it to Center City and Trenton. Rutgers University–Camden, Cooper University Hospital and Cooper Medical School of Rowan University anchor the downtown, and the waterfront includes Adventure Aquarium and the Battleship New Jersey.
The housing is mainly rowhomes and twins in neighborhoods such as Cramer Hill, Fairview, Parkside, East Camden, Lanning Square and Waterfront South. Lower purchase prices and older stock make Camden a market for rehab-to-rent and BRRRR investors.
Local items to plan for
Most Camden homes were built before 1978, so plan for lead-safe inspection rules on rentals. Many properties also need major systems work, so a detailed scope of work and contractor bids help support both the budget and the after-repair value.
Statewide rules that apply in Camden
Check the local version of each item with the municipality before closing.
- 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 investor loan FAQ
Do you lend on Camden rowhome rehabs?
Yes. A fix and flip loan can fund the purchase and renovation, and a DSCR loan can refinance the property once it's leased.
What do you need to quote a Camden rehab?
The purchase contract, a line-item rehab budget, photos, comparable sales for the after-repair value, your experience, and your LLC documents.
Do you make owner-occupied loans in Camden?
No. Lendiqo makes business-purpose loans to LLCs and other entities on non-owner-occupied investment property. We don't make consumer mortgages.
Nearby markets
More on investor loans in Camden County →
All loan programs
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 →Have a deal in Camden?
Send the basics on a property and a loan officer will follow up. You'll hear back from a person, not a call center.