New Jersey (NJ)

DSCR Loans in New Jersey

Property-cash-flow mortgages for New Jersey real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a NJ DSCR QuoteRun DSCR Calculator

Why DSCR Loans Work in New Jersey

Dense two- to four-unit stock across North Jersey supports strong rents and reliable refinance exits after rehab.

Average Rent
$2,200/mo
Top Markets
Newark, Paterson & Trenton for multi-family value-add.
Close Time
13–21 days statewide

New Jersey DSCR Loan Program

  • Loan Amount
    $100,000 – $5,000,000+
  • Max LTV
    80% purchase · 80% cash-out refi
  • Minimum Credit
    620 FICO
  • Minimum DSCR
    1.0 (sub-1.0 with compensating factors)
  • Property Types
    1–8 unit residential, condos, small multi-family, STR
  • Borrower Entity
    Individual, LLC, LP, Trust
  • Income Documentation
    None required
  • Rate Range
    Mid-7% to low-9% (Nov 2025)

Cities We Fund in New Jersey

Newark
Jersey City
Paterson
Trenton
Camden

Plus every other city, town, and county across New Jersey. Statewide coverage.

Related Resources

DSCR Loan Program Overview →
Full program details, rates, and how DSCR loans work.
DSCR Loan Requirements →
Credit, DSCR ratio, down payment, and documentation.
DSCR vs Conventional →
Compare DSCR to traditional investment mortgages.
DSCR Calculator →
See if your New Jersey property qualifies in 30 seconds.

DSCR Loans in Other States

AlabamaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNorth CarolinaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Frequently Asked Questions

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