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Bridge Loans for Investors in New Jersey

What New Jersey investors should know, with county data and city pages.

Across New Jersey, investors use bridge loans to move on a property without waiting for a sale or for a long-term loan to come together. The bridge is secured by investment property and repaid through a sale or refinance, often a DSCR refinance after lease-up. Browse the city pages below for local data, then ask a licensed loan officer about costs, lien position, prepayment charges and how the payoff will work.

Questions about bridge loans for investors in New Jersey?

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New Jersey transfer taxes: Realty Transfer Fee. The Realty Transfer Fee is collected when a deed is recorded; a seller claiming a full or partial exemption must file an Affidavit of Consideration (RTF-1) with the deed. A separate fee applies to purchasers of a controlling interest in entities that own certain classified real property. Your Loan Estimate or closing statement lists what applies to your deal.

Where the numbers point in New Jersey

Counties with the most investor loans with balloon or non-amortizing terms (2024):

CountyInvestor loans with balloon or non-amortizing terms (2024)
Essex County411
Camden County311
Mercer County214
Hudson County202
Ocean County196
Monmouth County182
Bergen County179
Burlington County177
Union County169
Passaic County136
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Bridge Loans for Investors by city in New Jersey

Common questions

What does bridge to DSCR mean?

Bridge to DSCR describes using a short-term bridge loan to buy or stabilize a rental and then refinancing into a DSCR loan once it is leased. The DSCR loan qualifies the property on its rent compared with the monthly housing payment. Ask about the DSCR lender's standards early so your bridge loan is set up for that refinance.

Is a bridge loan for investment property a consumer loan?

Usually not. Bridge financing on a rental for a business purpose is generally treated as business-purpose credit, and many investors borrow through an LLC. That category has its own rules and disclosures, separate from home loan rules, and your loan officer can confirm which cover your bridge. Bridge financing on your own residence is a separate, consumer product.

Can a bridge loan use equity from another property I own?

Some lenders will place a lien on a property you already own, or on more than one property, to secure a bridge loan. That can reduce the cash you need but puts more than one property at risk if the exit fails. Ask how each property would be released from the lien when you sell or refinance.

Other investor loans in New Jersey

DSCR loansDSCR requirementsDSCR down paymentAirbnb / STR loansHard money lendersHard money for a primary homeFix and flip loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

Bridge Loans for Investors overview · New Jersey investor loan overview

  • 2024 HMDA data
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