Hard Money Lenders New Jersey –
Top Fix and Flip Lenders New Jersey
Hard money lenders New Jersey, HardMoneyMan.com offers hard money loans in NJ for fix and flip rehab loans, ground up construction projects, commercial properties, 5+ unit apartment buildings, asset-based loans as well as DSCR loans.
New Jersey Hard Money Lenders 7 Day Closings Available
#1 for Hard Money Loans in New Jersey
Submitting your application package to New Jersey Hard Money Lenders is quick and easy.
New Jersey Hard Money Loans – Fast Closings in 7–10 Days
Serving New Jersey with fast, reliable financing for fix & flip,
rental, DSCR, multifamily, commercial, and asset-based real estate loans.
Hard Money Lenders New Jersey – Fast Closings Since 1998
HardMoneyMan.com LLC provides fast, hard money loans for New Jersey real estate investors. Whether you’re flipping in North Jersey, rehabbing at the Shore, or building a rental portfolio, we fund deals quickly based on equity and exit strategy—not tax returns or bank red tape. And don’t forget for those with some credit issues or just looking for a no doc 50% purchase or refinance our asset-based program.
Locally based in Ocean County, NJ — serving investors statewide with unmatched speed and experience.
Close in as little as 7–14 days. Call 516-526-8445.
New Jersey Hard Money Loans for Real Estate Investors
New Jersey is one of the most competitive real estate markets in the country. From shore towns like Seaside Heights and Cape May to dense urban markets like Newark, Jersey City, and Paterson, investors need a lender who understands speed, leverage, and local conditions.
As a lender locally based in Ocean County, NJ, we understand the unique challenges and opportunities across the state—from shore rehabs to North Jersey multifamily to Central Jersey BRRRR deals.
We lend on New Jersey fix and flips, BRRRR rentals, small multifamily, mixed-use, and more—using common-sense underwriting and real-world experience from thousands of closed deals.
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 and Flip Investors: Fund purchase and rehab on distressed properties in Newark, Jersey City, Trenton, Camden, and beyond.
- BRRRR Investors: Buy, rehab, rent, and refinance into long-term 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 across North, Central, and South Jersey.
- Mixed-Use & Light Commercial: Fund small mixed-use buildings and investor-focused commercial properties on a case-by-case basis.
New Jersey Hard Money Loan Highlights
- Loan Types: Fix and flip, bridge, rental, and cash-out refinance
- Property Types: Single-family, 2–4 units, condos, townhomes, some mixed-use
- Leverage: High LTV based on purchase price, rehab, or ARV
- Credit: Flexible—focus on the deal, equity, and exit strategy
- Closing Timeline: As fast as 7–14 days in New Jersey
- Documentation: Asset-based underwriting—no tax returns or bank-style income verification
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. Investor exited with a profitable flip before peak season.
- Ortley Beach – Short-Term Rental Conversion: Investor purchased a storm-damaged property. Hard money covered acquisition and renovation. Refi into DSCR loan after stabilization.
- Toms River – BRRRR Duplex: Distressed duplex acquired with hard money. Rehab completed in 6 weeks. Rented and refinanced into a 30-year rental loan.
New Jersey Counties We Lend In
We provide hard money loans across all 21 New Jersey counties, including:
- Bergen, Essex, Hudson, Passaic, Union, Morris
- Middlesex, Monmouth, Ocean, Somerset, Hunterdon
- Camden, Burlington, Gloucester, Atlantic, Cape May
- Mercer, Sussex, Warren, Cumberland, Salem
New Jersey Cities We Commonly Fund
- Newark, Jersey City, Paterson, Elizabeth, Trenton
- Camden, Cherry Hill, Vineland, Atlantic City
- Toms River, Brick, Lakewood, Edison, Woodbridge
- Hoboken, Bayonne, Clifton, Hamilton, New Brunswick
- Seaside Heights, Ortley Beach, Cape May, Wildwood, Long Branch
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.
New Jersey Fix and Flip Loans
New Jersey Construction Loans
New Jersey Rental Loans
New Jersey Multi Family Loans
Asset Based Loans in New Jersey
Commercial Hard Money Loans in New Jersey
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.
New Jersey Hard Money Loans – Fast Closings in 7–10 Days
Serving New Jersey with fast, reliable financing for fix & flip,
rental, DSCR, multifamily, commercial, and asset-based real estate loans.