Hard Money Lenders Toms River NJ
Fast, Flexible Funding for Flips, Rentals, DSCR, and Asset-Based Loans
HardMoneyMan.com provides fast, flexible hard money loans for Toms River real estate investors. Whether you’re flipping a waterfront property, rehabbing a distressed single-family home, or building a rental portfolio in Ocean County, we fund deals quickly based on equity and exit strategy — not tax returns or FICO scores. Investors across Toms River trust us for speed, experience, and local market knowledge. Learn more about our New Jersey lending programs here.
Investment Loan Programs in Toms River
HardMoneyMan.com funds real estate investors across Toms River and surrounding Ocean County markets. Whether you’re flipping a waterfront property, rehabbing a single-family home, or building a rental portfolio, our programs are designed for speed, flexibility, and investor-friendly terms.
Toms River Fix & Flip Loans
- Up to 90% of purchase price + 100% of rehab
- Interest-only payments
- Close in 7–10 days
Toms River DSCR Rental Loans
- Long-term rental loans based on property cash flow
- 30-year fixed or interest-only options
- No personal income verification
- 1–4 unit properties
Toms River Construction Loans
- Ground-up and spec construction financing
- 1–4 unit builds
- Staged draw funding
- Fast underwriting
Toms River Multifamily Loans (5+ Units)
- Bridge and refinance loans for apartment buildings
- Cash-flow based underwriting
- Flexible loan sizes
- Fast approvals
Toms River Asset-Based Loans (50% LTV)
- Equity-driven financing for high-value or non-traditional properties
- Up to 50% LTV based on property value
- No income documentation required
- Commercial & residential assets
Toms River Commercial Hard Money Loans
- Financing for mixed-use, retail, office, and industrial properties
- 1–50+ units
- Flexible loan structures
- Speed-focused closings
Recently Funded Deals in Toms River
Silverton – Single-Family Flip
Funded purchase + rehab for a 3-bedroom single-family home in Silverton. Closed in 8 days, rehab completed in 4 weeks, and the investor sold for a profitable flip. This fast closing helped the investor capitalize on a competitive local market.
North Dover – Rental Duplex
Investor acquired a distressed duplex in North Dover. Hard money covered the purchase and renovation, allowing the property to be rented quickly. Refinance into a DSCR rental loan after stabilization. Closed in 10 days.
Ortley Beach Barrier Island – Shore Flip
Funded a beach property on the barrier island section of Ortley Beach. Hard money covered the acquisition and rehab. The investor completed the flip in 6 weeks and sold prior to peak summer season. Quick funding made this competitive offer possible.
Who Toms River Hard Money Loans Are For
Our Toms River loans are designed for a variety of real estate investors:
Flippers looking to fund quick rehab and resale projects,
BRRRR investors seeking rental acquisitions,
shore investors renovating properties along the barrier island,
small multifamily buyers purchasing 2–4 unit buildings,
and mixed-use/commercial investors targeting retail, office, or multi-unit buildings.
Toms River Market Highlights & Investor Opportunities
Toms River offers diverse investment opportunities, from Silverton single-family homes to North Dover duplexes and waterfront properties along the barrier island of Ortley Beach. Typical ARVs range from $350k–$600k for rehab flips, while rental demand remains strong in North Dover and downtown Toms River. Investors benefit from a mix of long-term rental markets and short-term vacation rentals along the shore.
Get Your Toms River Hard Money Loan Today
Close in as little as 7–14 days with HardMoneyMan.com LLC. Our programs fund flips, rentals, construction, commercial, and asset-based deals across Toms River and Ocean County.
Frequently Asked Questions – Toms River Hard Money Loans
What types of properties can I finance in Toms River?
We fund single-family flips, BRRRR rentals, small multifamily, mixed-use, and commercial buildings throughout Toms River and Ocean County.
How fast can I get funded?
Most Toms River loans close in 7–14 days, with approvals issued within 24 hours for competitive investor deals.
Do I need good credit?
No. Our loans focus on property value, equity, and exit strategy rather than personal credit scores.
Are asset-based loans available in Toms River?
Yes. Asset-based loans fund up to 50% of the purchase price with no rehab included.
Can I get a DSCR rental loan?
Absolutely. DSCR loans qualify based on rental property cash flow rather than personal income.
Can loans be closed in an LLC?
Yes. All Toms River programs can be structured in LLCs or other business entities for investment purposes.