Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Commercial DSCR Investor Deal Desk

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New Jersey (NJ) Wholesale Lender Directory · Judicial (Superior Court Chancery Division) Foreclosure

New Jersey (NJ) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in New Jersey (NJ) on XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals. Underwritten to New Jersey's Judicial (Superior Court Chancery Division) statutory framework (210–300 days-day average timeline), 2.23% average property tax rate, and $530/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — New Jersey (NJ) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in New Jersey LLC or Delaware LLC.

Match My NJ Deal →Compare NJ Shelves

Active Wholesale Loan Programs in New Jersey (NJ)

New Jersey DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
New Jersey Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
New Jersey Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
New Jersey Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
New Jersey Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
New Jersey Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
New Jersey Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
New Jersey Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
New Jersey Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
New Jersey Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

New Jersey County-Level Tax & Insurance Underwriting Hubs (3)

Bergen County, NJ
Bergen County, NJ · 2.18% Tax
Essex County, NJ
Essex County, NJ · 2.42% Tax
Hudson County, NJ
Hudson County, NJ · 1.88% Tax

Top New Jersey Rental Markets

Newark, NJJersey City, NJPaterson, NJElizabeth, NJClifton, NJTrenton, NJCamden, NJPassaic, NJUnion City, NJBayonne, NJEast Orange, NJVineland, NJ
Best New Jersey (NJ) DSCR & Private Money Lenders (2026) | XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals