South Jersey · County seat: Woodbury
Investment Property Loans in Gloucester County, NJ
DSCR, Construction, Fix & Flip and other business-purpose loans for investors across Gloucester County, including Washington Township and the county seat, Woodbury.
Investing in Gloucester County
Gloucester County lies just south of Camden County along the Delaware River, across from Philadelphia and Delaware County, Pennsylvania. Its seat is Woodbury. Route 55, Route 42, I-295 and the New Jersey Turnpike cross the county, and the Commodore Barry Bridge connects Logan Township to Chester, Pennsylvania.
Glassboro is home to Rowan University, which supports a rental market for students and staff. Washington Township, Monroe Township and other growing suburbs have newer subdivisions, while the river towns of Paulsboro, Westville and Woodbury have older homes that suit rehab projects.
How we lend here
Investors here finance single-family rentals, rehabs in the older river towns and small subdivision or infill construction. For student rentals near Rowan, we check Glassboro's rental licensing and occupancy rules before underwriting.
Towns we lend in: Washington Township, Deptford, Monroe Township, Glassboro, West Deptford, Woodbury, Mantua, Pitman and Paulsboro.
Loans that fit Gloucester County properties
30-year rental loans for purchases and refinances that qualify on the property's rent instead of your personal income.
Non-bank financing for land, site work and vertical construction, funded in draws.
Short-term purchase and rehab loans for 1–4 unit investment properties, with renovation money released in draws.
We also offer bridge loans, multifamily loans, mixed-use loans, LLC loans in Gloucester County.
Before you close in Gloucester County
Check these with the municipality and your attorney before you close on a rental or rehab in Gloucester 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.
Gloucester County investor loan FAQ
Do you lend on student rentals near Rowan University?
Yes, as business-purpose rental loans to an entity, subject to the town's rental licensing and occupancy rules. We underwrite to the lease or market rent and the property's condition.
Do you lend to LLCs buying property in Gloucester County?
Yes. Every Lendiqo loan in Gloucester 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 Gloucester 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 Gloucester 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.