Real Estate Investor Loans
in New Jersey
Investment property financing for real estate investors: DSCR loans, portfolio loans, fix-and-flip financing, and rental property mortgages in Bergen County and beyond.
Investment Property Loan Programs
DSCR Loans
Qualify based on rental income (cash flow), not personal income. No tax returns or W-2s required. Perfect for investors with multiple properties.
Portfolio Loans
Finance 5-10+ investment properties with one lender. Bypass Fannie/Freddie 10-property limit with portfolio financing.
Fix-and-Flip Loans
Short-term financing (6-12 months) for property rehab and resale. Covers purchase + renovation costs. Interest-only payments.
Frequently Asked Questions
What is a DSCR loan and how does it work?
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income, not your personal income. The lender calculates: Monthly Rent ÷ Monthly PITI Payment = DSCR. A DSCR of 1.0+ means rent covers the mortgage. Many lenders accept 0.75-1.0 DSCR. No tax returns, W-2s, or employment verification needed—perfect for self-employed investors or those with multiple properties.
How many investment properties can I finance?
Conventional loans: Max 10 financed properties (Fannie Mae limit). Portfolio/DSCR loans: No limit—finance 10, 20, 50+ properties with the right lender. Many investors hit the conventional limit and switch to portfolio loans to continue scaling. DSCR loans also bypass the limit since they're non-QM (not sold to Fannie/Freddie).
What down payment do I need for investment property?
Investment properties typically require: (1) 15-25% down for conventional loans (higher than owner-occupied), (2) 20-25% down for DSCR loans, (3) 10-20% down for portfolio loans (lender-dependent). Expect higher down payments than primary residence loans due to increased risk. Some lenders offer 15% down for strong investors with multiple properties.
Can I use rental income to qualify for an investment property loan?
Yes! Conventional loans: Use 75% of market rent (from appraisal) to offset PITI. DSCR loans: Use 100% of actual or market rent (no personal income needed). Both methods help you qualify for investment properties even if you have a full-time job and other mortgages. Lenders verify rent with lease agreements or appraisal rent analysis.
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