Flip financing powered by NYC-spillover demand: up to 95% of purchase and 100% of rehab (or 90% purchase and 100% construction), to 75% of ARV, with fast draws across northern and central New Jersey.
A fix and flip loan is short-term project financing for a buy-renovate-sell deal. Rather than your income, we underwrite the business plan – what you pay, what the rehab costs, and the after-repair value (ARV). New Jersey rides relentless demand from priced-out New York households crossing the Hudson – roughly 75,000 New Yorkers moved to NJ in a recent year – with rents well above the national average and top-ranked schools that keep family renters. High property taxes are offset by strong rents and durable resale.
The model keeps your own capital small and your New Jersey flip velocity high, so you can run several projects a season and exit cleanly with a sale or a refinance into a rental.
After-repair value – your finished, sold price. Every loan dollar is sized against it.
The ceiling: total loan generally stays within 75% of ARV, leaving room for profit.
Your renovation budget – funded 100% and reimbursed in draws as work is completed.
Holding costs – interest, insurance, taxes, utilities – every month until you sell.
| Purchase financing | Up to 95% LTC (loan to cost), or 90% of the purchase price and 100% of the rehab or construction budget on fix & flip, fix-to-rent or value-add projects |
|---|---|
| Rehab financing | 100% of the rehab funds, released in draws |
| Total loan vs. ARV | Generally held within 75% of the after-repair value |
| Refinance / cash-out | Refinance up to 90% LTV; cash-out up to 75% |
| Rate & payments | From 9.99%, interest-only during the flip |
| Term | 12-36 months; extensions available; no prepayment penalty |
| Credit / docs | 620+; no income or W-2 documentation on investment properties |
| Exit | Sell the finished home, or refinance into a 30-year DSCR rental |
Target under-market New Jersey homes where comps support your ARV and end-user demand is real.
Close in as fast as 5 days with 95% of purchase and 100% of rehab committed – or 90% of purchase and 100% of construction on fix and flip, fix-to-rent or value-add projects.
Draw your rehab budget in stages as work passes inspection, so you front far less and keep the crew moving.
List and sell into New Jersey demand, or refinance into a 30-year DSCR loan and keep it as a rental.
A representative New Jersey project funded with 95% of purchase and 100% of rehab, underwritten within 75% of ARV:
| Purchase price | $300,000 |
|---|---|
| Loan at 95% of purchase | $355,000 · your money in: $15,000 |
| Rehab budget (100% funded, by draw) | $70,000 |
| After-repair value (ARV) | $470,000 · total loan is 76% of ARV |
| Interest (10.5% IO, ~6-month flip) | − $18,638 |
| Points & closing (est.) | − $11,100 |
| Sale costs (~6.5% of ARV) | − $30,550 |
| Estimated net profit | ≈ $43,712 |
| Cash in the deal | ≈ $26,100 |
Illustrative for 2026, not a guarantee or an offer. Figures vary by property, market and experience. High leverage magnifies gains and losses. Business-purpose only. Consult your CPA. Equal Housing Lender.
Assumes 95% of purchase + 100% rehab, 2 points, ~$4,000 closing/reserves and 6.5% sale costs. Estimate only.
| Market | Why flippers target it |
|---|---|
| Newark | Transit access and NYC-spillover demand; strong yields. |
| Jersey City | High rents and redevelopment across the Gold Coast. |
| Paterson | Affordable entry with dense rental demand. |
| Elizabeth | Port-and-transit jobs and steady rentals. |
| Trenton | Capital-city value at low acquisition costs. |
| City | Why it ranks for 2026-2027 returns |
|---|---|
| Newark | NYC-spillover demand at value entry points. |
| Camden | Deep affordability with Philadelphia-adjacent demand. |
| Trenton | Capital-city value and dependable rents. |
| Paterson | Dense rental demand and low bases. |
| Atlantic City | Tourism and vacation-rental upside. |
New Jersey’s 2027-2028 pipeline: Netflix’s massive Fort Monmouth studio (one of the largest on the East Coast), a deep pharma and life-sciences base (Merck, Johnson & Johnson, Prudential), and Amazon logistics expansion along the Turnpike.
Buying near these job engines now positions your exit into the demand they create – Fund a New Jersey flip near the growth →
95% of purchase + 100% rehab; 12-36 month interest-only.
Larger renovation budgets funded in structured draws for down-to-studs projects.
90% of purchase plus 100% of construction for New Jersey infill and spec builds.
Flip, then refinance into a 30-year DSCR loan and keep the cash-flowing rental.
Refinance up to 90% LTV or cash out up to 75% to fund the next deal.
Scale several New Jersey flips at once with repeatable, deal-by-deal funding.
We fund flips in every New Jersey market. Don’t see your city? Send us the deal and we’ll price it.
Up to 95% of the purchase price plus 100% of the renovation – or 90% of the purchase and 100% of the construction on fix and flip, fix-to-rent or value-add projects – with the total loan generally within 75% of the after-repair value.
In draws. You fund the work, then we reimburse each stage as it is completed and inspected, keeping your out-of-pocket low.
12-36 month interest-only, with extensions available and no prepayment penalty. Refinances go up to 90% LTV and cash-out to 75%.
From comparable sales of similar recently renovated homes near your project, supported by an appraisal.
620+ credit and no income or W-2 documentation on investment properties – we underwrite the deal, so first-time and foreign-national flippers are welcome.
As fast as 5 days on a clean file, because we qualify the project rather than your income.
Refinance the finished home into a 30-year DSCR loan with us – the BRRRR exit is built in from day one.
Send us the purchase price, rehab budget and ARV and get real terms fast – no income docs, no hard credit pull to quote. Business-purpose investor financing from $75,000 to $20 million+, first-time and foreign-national flippers welcome.
NYC-spillover demand and the Netflix studio keep New Jersey’s 2027-2028 flip demand strong in transit-served towns. Buy value in Newark, Paterson and the shore corridor and exit into deep, rent-rich demand.
Market and profit figures are third-party estimates for 2026-2028, vary by source and submarket, and are not guarantees.
New Jersey rides relentless demand from priced-out New York households crossing the Hudson – roughly 75,000 New Yorkers moved to NJ in a recent year – with rents well above the national average and top-ranked schools that keep family renters.
Job and investment momentum is strong: Netflix is building one of the largest studios on the East Coast at Fort Monmouth, pharma and life-sciences leaders like Merck and Johnson & Johnson keep expanding, and Amazon adds logistics jobs along the Turnpike – supporting resale and rental demand into 2028.
With the busiest commuter traffic in North and Central Jersey and a thriving vacation-rental market in South Jersey, New Jersey ranks among the country’s top investment spots year after year – from Hoboken to East Orange and Freehold to Cape May.
New Jersey fix & flip rates, advances, ARVs and terms shown are illustrative for 2026, subject to change, and depend on the property, credit, experience and program. Business-purpose, non-owner-occupied investment properties only. Not a commitment to lend. Equal Housing Lender.
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