DSCR & Investment Property Loans in New Jersey

Lenders made 15,551 loans on investment properties across the New Jersey counties in our data in 2024, 9,140 of them purchases, plus 4,004 loans on second homes. This page covers the New Jersey rules investors ask about, every loan type by state and city pages for 243 cities and towns.

Buying or refinancing a rental in New Jersey?

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New Jersey rules and records for investors

Mortgage licensing: New Jersey Department of Banking and Insurance
Landlord-tenant law: Truth in Renting: A guide to the rights and responsibilities of residential tenants and landlords in New Jersey. DCA's Truth in Renting guide covers New Jersey residential leases, renewals, security deposits, habitability, rent increases, and tenant protections; landlords of most multi-unit buildings must give tenants the current statement.
Short-term rental tax registration: Sales Tax and State Occupancy Fee on transient accommodations. Short-term rentals booked through a transient space marketplace (or a travel agency) or that are professionally managed units are subject to Sales Tax, the State Occupancy Fee and other applicable fees; rentals booked directly from an owner that are not professionally managed are not. Marketplaces collect the tax on stays booked through them.
LLC and business entity filings: New Jersey Division of Revenue and Enterprise Services.
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.
Contractor licensing: Home Improvement Contractor registration. The New Jersey Contractor's Registration Act requires home improvement contractors to register with the Division of Consumer Affairs and display their NJHIC registration number.
Foreclosure process: judicial. The New Jersey Courts state that foreclosure is a judicial process: cases are filed with the Superior Court, uncontested matters are handled by the Office of Foreclosure, and contested ones go to a Chancery judge.
Recording taxes and fees: Realty Transfer Fee (RTF) on deeds, paid to the county recording officer when the deed is presented for recording; plus the separate 'mansion tax' on higher-priced residential transfers, paid by the buyer.

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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.

Investor loans in New Jersey

Larger New Jersey cities

https://www.nj.gov/dobi/banklicensing/rmla/mortloanorigin.html
https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/
https://www.nj.gov/treasury/taxation/lpt/rtffaqs.shtml
https://www.njcourts.gov/sites/default/files/resforeclosure.pdf
https://www.nj.gov/dca/codes/publications/pdf_lti/t_i_r.pdf
https://nj.gov/treasury/taxation/transientaccommodationsfaq.shtml
https://www.nj.gov/treasury/revenue/gettingregistered.shtml
https://www.nj.gov/treasury/taxation/lpt/rtf.shtml
https://www.nj.gov/treasury/taxation/lpt/rtffaqs.shtml
https://www.nj.gov/state/bac/assets/pdf/quick-start/home-improvement-contractor.pdf
2024 HMDA data (occupancy type)