New Brunswick · Middlesex County, NJ
Rental & Multifamily Loans in New Brunswick, NJ
Business-purpose financing for investors who buy, renovate, build or refinance in New Brunswick, Middlesex County.
Investing in New Brunswick
New Brunswick is the Middlesex County seat on the Raritan River. It's home to Rutgers University's main campus, Robert Wood Johnson University Hospital and Johnson & Johnson's world headquarters. The New Brunswick and Jersey Avenue stations are on the Northeast Corridor, and Route 18, Route 27 and US-1 serve the city.
Students, hospital staff and commuters create steady rental demand. Much of the housing is older two- and three-family homes and small apartment buildings near campus, with mixed-use buildings downtown.
Local items to plan for
College-town rentals often face municipal rental licensing, occupancy limits and regular inspections. Check New Brunswick's requirements before relying on per-bedroom rent, and give us the rent roll and leases for multi-unit buildings.
Statewide rules that apply in New Brunswick
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.
New Brunswick investor loan FAQ
Do you lend on student rentals in New Brunswick?
Yes, on business-purpose rentals held in an entity, subject to city rental licensing and the program's property rules.
Can you finance a small apartment building near Rutgers?
Yes. Buildings with five or more units go through our multifamily programs, using the rent roll and operating expenses.
Do you make owner-occupied loans in New Brunswick?
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 Middlesex 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 New Brunswick?
Send the basics on a property and a loan officer will follow up. You'll hear back from a person, not a call center.