Fast, Flexible Financing for NJ Investors
Close in as little as 7–14 days on fix & flips, rentals, construction, commercial, and asset-based deals across New Jersey.
New Jersey Hard Money Loans for Real Estate Investors
HardMoneyMan.com LLC is one of the leading hard money lenders in New Jersey, providing fast, flexible financing for real estate investors. Whether flipping in Newark, rehabbing along the Jersey Shore, or building a rental portfolio in North Jersey, we fund deals quickly based on equity and exit strategy — not tax returns, bank statements, or FICO scores.
Our loans cover fix & flips, BRRRR rentals, small multifamily, mixed-use, construction, and commercial projects. Investors statewide — from Jersey City, Paterson, and Elizabeth to Seaside Heights, Long Branch, and Cape May — rely on us for speed, expertise, and real-world underwriting.
For investors seeking no-doc financing, our asset-based program funds up to 50% of the purchase price with no rehab included. DSCR loans are available for rental properties at competitive terms, qualifying based on property cash flow rather than personal income. Close your NJ deal in as little as 7–14 days — call 516-526-8445 or submit your deal today.
We Lend in:
Newark, Jersey City, Paterson, Elizabeth, Toms River, Clifton, Camden, Trenton, Passaic, Union City, Atlantic City and other cities in New Jersey
Who Our New Jersey Hard Money Loans Are For
- Fix & Flip Investors: Fund purchase and rehab in Newark, Jersey City, Trenton, Camden, and beyond.
- BRRRR Investors: Buy, rehab, rent, and refinance into DSCR or rental loans after stabilization.
- Shore Investors: Acquire and renovate properties in Seaside Heights, Ortley Beach, Cape May, Atlantic City, and other coastal markets.
- Small Multifamily Buyers: Finance 2–4 unit properties in high-demand rental areas.
- Mixed-Use & Light Commercial: Fund small mixed-use buildings and investor-focused commercial properties.
New Jersey Loan Programs at a Glance
Fix & Flip Loans
- Up to 90% purchase + 100% rehab
- Interest-only payments
- 7–10 day closings
DSCR Rental Loans
- Based on property cash flow
- No personal income verification
- 1–4 unit properties
- 30-year fixed or interest-only options
Asset-Based Loans
- 50% LTV based on property value
- No income documentation
- Commercial & residential assets
New Jersey Hard Money vs 30-Year Rental Loans
| Program | Use Case | Property Type | Term | Max Loan | Timeline |
|---|---|---|---|---|---|
| New Jersey Hard Money Loans | Fix and flip, bridge, short-term acquisitions | 1–4 unit, some mixed-use | 6–18 months | Deal-dependent | 7–14 days |
| 30-Year Rental / DSCR Loans | Long-term holds and BRRRR exits | 1–4 unit rentals, some short-term rentals | 30 years | Up to $1M+ | Typically 2–4 weeks |
Recently Funded Deals in Ocean County, NJ
Seaside Heights – Shore Flip
Funded purchase + rehab for a 3-bedroom beach property. Closed in 9 days. Profitable flip before peak season.
Ortley Beach – Rental Conversion
Storm-damaged property purchased. Hard money covered acquisition and renovation. Refinance into DSCR loan after stabilization.
Toms River – BRRRR Duplex
Distressed duplex rehab completed in 6 weeks. Rented and refinanced into a 30-year rental loan.
Why New Jersey Investors Trust HardMoneyMan.com LLC
- Locally Based in Ocean County: Deep understanding of NJ markets, especially shore towns and high-demand rental areas.
- Since 1998: Decades of experience funding New Jersey investment properties.
- 25,000+ Deals Closed: Proven track record across all NJ counties.
- Fast, Common-Sense Underwriting: We focus on the deal — not tax returns or bank-style paperwork.
- Investor-Focused: We work with full-time and part-time investors, flippers, and landlords.
Investment Loan Programs in New Jersey
We fund real estate investors statewide, including projects in
Newark,
Toms River,
and surrounding New Jersey investment markets.
New Jersey Fix & Flip Loans
Short-term financing for rehab and resale projects across New Jersey’s competitive markets.
- Up to 90% purchase + 100% rehab
- Interest-only payments
- 7–10 day closings
New Jersey DSCR Rental Loans
Long-term rental loans based on property cash flow — ideal for buy-and-hold investors.
- 30-year fixed or interest-only
- No personal income verification
- 1–4 unit properties
New Jersey Construction Loans
Ground-up and spec construction financing for residential investment projects.
- 1–4 unit builds
- Staged draw funding
- Fast underwriting
New Jersey Multifamily Loans (5+ Units)
Bridge and refinance loans for apartment buildings throughout New Jersey.
- Cash-flow based underwriting
- Flexible loan sizes
- Fast approvals
New Jersey Asset-Based Loans (50% LTV)
Equity-driven financing for high-value or non-traditional investment properties.
- 50% LTV based on property value
- No income documentation
- Commercial & residential assets
New Jersey Commercial Hard Money Loans
Fast financing for mixed-use, retail, office, and industrial properties.
- 1–50+ units
- Flexible structures
- Speed-focused closings
Multi-State Lending Across the Northeast
Headquartered in New Jersey, HardMoneyMan.com LLC works with real estate investors across the Northeast, including
New York,
Pennsylvania,
and
Connecticut.
Our lending programs are designed to support investors operating in multiple nearby markets.
Frequently Asked Questions – New Jersey Hard Money Loans
What is a hard money loan in New Jersey?
A New Jersey hard money loan is a short-term, asset-backed loan secured by real estate, focusing on the property’s value and deal strength rather than personal credit scores.
How does a hard money loan work in New Jersey?
Borrowers qualify based on property equity and project potential. Loans are typically interest-only, with terms ranging from 6–18 months.
How fast can I get funded in New Jersey?
Most NJ loans close in 7–10 days, with approvals issued within 24 hours to help investors move quickly on deals.
What types of properties can I finance in New Jersey?
We finance fix & flips, DSCR rental properties, multi-family homes, commercial buildings, and new construction projects across New Jersey markets.
Do I need good credit to qualify in New Jersey?
No. Our loans focus on the property’s value and deal strength rather than personal credit scores, so investors with lower credit can still qualify.
What are typical loan terms in New Jersey?
Loans often include up to 90% purchase, 100% rehab funding for fix & flips, interest-only payments, and terms from 6–18 months.
What fees are involved with a New Jersey hard money loan?
Typical fees include points, appraisal/inspection, and closing costs — fully disclosed upfront for transparency.
Can I get a pre-approval letter in New Jersey?
Yes. Same-day pre-approval letters are available to help investors make competitive offers quickly.
Do you lend to LLCs or business entities in New Jersey?
Absolutely. All programs can be closed in LLCs or other business entities for real estate investment purposes.
When is a hard money loan not appropriate in New Jersey?
Hard money loans are for investment properties only — they are not for primary residences or personal home purchases.
Ready to Fund Your New Jersey Investment?
From Newark to Toms River and beyond, we help New Jersey real estate investors
close faster with reliable hard money financing.