New Jersey Fix and Flip Lenders
Here is a list of hard money lenders offering fix & flip loans for homes in New Jersey. Our directory has lots of lenders that provide funds to buy, rehab and flip residential properties. Most will require a down payment and some experience with flipping houses in NJ, and the maximum term is typically 12 months.
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Nationwide Mortgage
Aggressive Pricing & Excellent Service for Bridge, Rehab, Rental, Construction Loans
Funded Fix & Flip Loans in New Jersey

Fix & Flip Loan for Single-Family Residence in Cranford, New Jersey
$591,000
RCN Capital, a national direct private lender, funded a $591,000 fix and flip loan in 1st lien position for a single-family residence in Cranford, NJ. The purchase price was $550,000 and the renovation budget was $196,297. We funded 73% of the purchase and 100% of the renovation, while the Borrower contributed 27% cash at closing. The subject property was appraised for $535,000 As-Is, and an after-repair value of $910,000 evidenced a good return on investment for the Borrower of over 19.30%. The Sponsor had excellent credit with a mid score of 773 and bank statements that reflected sufficient assets. The initial advance was 79% loan-to-cost and 73% loan-to-value. The total loan amount was 65% of the after-repair value. The interest rate was 12.74% and we charged a 1% origination point. The loan term was set at 12 months. The Borrower plans to sell the property upon completion of the rehab. This SFR fix and flip loan was funded in January 2023.

This client came to i Fund Cities’ awesome Loan Officer Caitlin Davis through a lender broker. The client had done three renovation projects using only cash for his projects. He started out doing new construction for the project and was paying out of pocket. Although the client wanted to start the next phase, his contractor could not begin the next phase without additional funds. Caitlin took a lot of special one-on-one time with this Borrower and his team to explain i Fund Cities’ straightforward and transparent loan process. The Client’s existing equity in the project made it possible for us to be more creative on the loan structure, allowing us to get the client his funds as quickly as possible, so that he and his contractor could be off and running! Says Caitlin, “I made sure that the client understood exactly how this loan is structured and we closed the deal with ease, even sooner than the client expected!”. This SFR construction completion loan was funded in January 2022.
Key Loan Benefit to Borrower:
These clients were very thankful that they could complete their project through this private construction loan.
Customer Feedback:
“We wanted to say thank you. We are overwhelmed with working with you – how fast everything moved! We really want to thank you. And we are going to have many more such experiences with you. It was really fluent and really fast for new construction, so we are really happy with the service. The best was that everything took around 3 weeks from the day we started!”
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