North Jersey · County seat: Jersey City
Investment Property Loans in Hudson County, NJ
Multifamily, Mixed-Use, Construction and other business-purpose loans for investors across Hudson County, including the county seat, Jersey City.
Investing in Hudson County
Hudson County is New Jersey's smallest county by area and its most densely populated. Its seat is Jersey City. PATH trains, the Hudson-Bergen Light Rail, ferries and the Lincoln and Holland tunnels link the county to Manhattan, which shapes demand along the waterfront from Bayonne up through Hoboken, Weehawken and West New York.
Hudson's housing is mostly rowhouses, brownstones, two- and three-family homes, walk-up apartments and mixed-use buildings with stores on the ground floor. That makes it a natural market for multifamily, mixed-use and construction financing, and for bridge loans on buildings being renovated or re-tenanted.
How we lend here
Jersey City and Hoboken have rent control ordinances, and Jersey City regulates short-term rentals. We review those rules, and the zoning approvals for any new or converted units, before sizing a loan.
Towns we lend in: Jersey City, Hoboken, Bayonne, Union City, West New York, North Bergen, Weehawken, Secaucus, Kearny and Harrison.
Loans that fit Hudson County properties
Acquisition, value-add bridge and construction financing for 5+ unit apartment buildings.
DSCR and bridge financing for buildings with apartments over stores or offices.
Non-bank financing for land, site work and vertical construction, funded in draws.
We also offer DSCR loans, fix and flip loans, bridge loans, LLC loans in Hudson County.
Town guides in Hudson County
Before you close in Hudson County
Check these with the municipality and your attorney before you close on a rental or rehab in Hudson 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.
Hudson County investor loan FAQ
Do you finance mixed-use buildings in Hudson County?
Yes. Apartments over retail are common in Jersey City, Union City, West New York and Hoboken. We look at the residential and commercial leases, the condition of the building and the zoning before quoting.
Do you lend to LLCs buying property in Hudson County?
Yes. Every Lendiqo loan in Hudson 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 Hudson 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 Hudson 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.