Investment property loans · NJ
New Jersey is next door to our Brooklyn office, and investors bring us deals from Hudson County to the Shore: rentals near the train lines into Manhattan, flips in older neighborhoods, and refinances once a property is leased.
Markets
New Jersey
Loan programs
30-year loans for New Jersey rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.
Subject to appraisal and underwriting.
Buy and renovate in New Jersey with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.
Subject to appraisal and underwriting.
Close quickly on a New Jersey property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.
Subject to appraisal and underwriting.
Financing for new builds in New Jersey, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.
Quoted on your deal.
Construction loans: get a quoteFinancing for New Jersey apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.
Quoted on your deal.
Multifamily and commercial: get a quoteGood to know
Funded deals
$572,000
Get your terms
Rather talk now? (718) 704-0499
United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.
Questions
Yes. United Lending LLC offers private real estate financing for investors in New Jersey: short-term fix and flip and bridge loans sized on the deal, 30-year DSCR loans sized on the rent, and construction and multifamily financing quoted per deal. We're headquartered in Brooklyn, New York, and lend nationwide.
Yes. United Lending LLC offers business-purpose financing on investment property across New Jersey, including Newark, Jersey City, Paterson and Elizabeth. Tell us the property's address on the form and a loan officer will confirm the details on the first call.
Fix and flip loans of up to 95% of the price and 100% of the rehab budget, and bridge loans up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, up to 85% loan-to-value on a purchase and 80% on a cash-out refinance; those are separate limits, not one combined offer. Construction and multifamily loans are quoted per deal. All limits are subject to appraisal and underwriting, and every loan is for property you invest in, not a house you or a relative will occupy.
There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.
No. Many of our borrowers invest outside the state they live in. You can borrow in your own name or through an LLC; if the LLC was formed in another state, your loan officer will tell you what's needed before closing.
Where we lend