New Jersey Hard Money Lending

Hard Money Lenders in NJ are busy. Why? There are numerous lucrative real estate deals in New Jersey, and Do Hard Money is pleased to offer direct funding for your next fix and flip or refinance property in the Garden State.

Do Hard Money will approve your asset-based NJ hard money loan completely by assessing the property not you as the borrower. A true hard money lender will base your loan approval on the investment property and the overall quality of the deal. Once we’ve evaluated the property, the LTV (loan to value) ratio of the deal will determine your loan amount. This loan amount, combined with our gap funding resources, can make it possible for you to get 100% Financing on your deal.

Learn More

Amazing experience! You simply can’t lose. If you follow the instructions of your account advisor, you WILL make tons of money. Their ‘fill in the blank’ worksheets do all the calculations for you. You know ahead of time whether you are making a good purchase or not. I was a beginner and they made the process fun, profitable and eliminated the risk that I was not willing to take. I can’t wait to do another flip!

Lynn M, Medford, NJ

Hard Money New Jersey Loan Terms

Due to excellent market conditions, we are able to offer state-specific loan terms for the state of New Jersey.

100% Financing

If your deal is good enough we will cover 100% of the purchase price, rehab, and closing costs, points & interest.

LTV Basis

Our max loan amount is based on the after repair value, not the current value or purchase price. If the numbers line up, we will fund it.

Maximum LTV

We lend up to 70% of the ARV. We will fund everything but earnest money as long as it fits within 70% of the ARV.

Max Loan Amount

Our max loan amount is $250,000. For the markets we currently lend in, we’ve found this to be the sweet spot for real estate investing.

Minimum ARV

Our minimum ARV to lend on a property is $75,000. If it’s less than that there is just not enough profit to make it worth the effort for either party.

Multiple Deals

Yes. We allow you to do 3 deals at a time, enabling you to stay busy and rake in even more profit at a faster pace.

Interest Rate

Our interest rates of 1.25 – 1.50% per month fall pretty middle of the road. We are not the cheapest, nor the most expensive, but our 100% financing options allow you to leverage our money.

Origination Points

We take on significant risk in offering 100% financing and our points of 5.5% – 6.5% is what keeps us in business.

Max Loan Term

The default loan term is set at 5 months, but we do allow up to three 1-month forbearance payments equal to 1.0% of the loan if you need more time.

Monthly Payments

With no monthly payments during the initial loan term you can focus 100% of your time on rehabbing and selling the property.

Minimum Credit

None. A bad credit score will affect your points and interest, but because we lend on the property’s after repair value it won’t keep you from getting a loan

Min Cash-to-Close

We do not require a down payment on the property. If everything fits in 70% of the ARV you can come to the closing table with $0.00.

Pre-Pay Penalty

With no pre-payment penalty, fixing and flipping the property in a shorter amount of time can only deepen your pockets.

Required Experience

Many other lenders either won’t lend to you or will jack up their prices unless you have prior experience, but we’re all making profitable real estate investing accessible to anyone.

Gap Financing

We allow gap financing in the form of business lines of credit to help with cash-to-close when everything doesn’t fit in 70% of the ARV and we can help you get up to $100,000 in as little as 30 days.

Foreclosure Protection

Nobody else looks out for you like we do. We offer proprietary protection that nearly precludes the possibility of a foreclosure on your records even in the worst-case scenario.

Refinancing Available

Yes. With traditional lenders limited to strict loan parameters, we focus on equity over borrower financials. This gives you the liquidity needed for your individual situation.

Full Disclosure

Unlike a lot of other lenders who hide the full cost of the loan until it’s too late… we want you to know what you’re getting into and disclose ALL costs upfront.

Recently Funded Deals

New Jersey Real Estate Market Statistics (2015)

New Jersey is the 4th smallest state, yet the 11th most populous state, as well as the third wealthiest state in the U.S. In addition to a wide variety of historic landmarks, New Jersey boasts a beautiful coast and exciting nightlife. The Garden State has grown in popularity, with the number of house flips increasing 13% over the past year and the overall home value rising 2.7%. New Jersey provides a large number of REI opportunities, with many of its counties being the hottest areas in real estate. According to, “North Jersey communities dominate the list of the most in-demand markets for home buyers.” If you’re looking to make an excellent profit on a rehab deal, New Jersey is the perfect place to take advantage of low property prices and high margins.

Housing Units
Number of Flips
% Change in Flips

Purchase Price

National Average: $294,600
New Jersey Metro Areas: $303,350

Gross Margin

National Average: $55,000
New Jersey Metro Areas: $64,000

Number of Houses Flipped

National Average: 179,778
New Jersey Metro Areas: 7,441

% Change in Houses Flipped

National Average: 0.2%
New Jersey Metro Areas: 13%