DSCR Lenders in New Jersey
13 verified DSCR lenders serving New Jersey real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Austin, TX
Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.
San Francisco, CA
One of the largest DSCR and fix-and-flip lenders in the US. Kiavi offers rental loans with rates starting at 7.00%, LTVs up to 80%, and closings in as little as 15 days. Funded over $20 billion in loans.
South Windsor, CT
Leading private lender for fix & flip, DSCR, and bridge loans nationwide.
Greenville, SC
National private lender specializing in DSCR, fix-and-flip, and new construction. Lima One offers competitive DSCR rates, flexible underwriting, and a dedicated account manager for every deal.
Irvine, CA
CoreVest specializes in portfolio DSCR loans for investors with multiple properties. Blanket loans, single-asset rentals, and multifamily up to 100 units. Funded $20B+ to date.
Newark, NJ
New Jersey DSCR lender for NYC metro investors. High-value fix and flip, bridge, and rental portfolio loans. Familiar with local market.
New York, NY
New York City DSCR and bridge lender. Multifamily up to $10M, fix and flip, and STR portfolio financing for NYC-area investors.
Stamford, CT
Data-driven lender for real estate investors. Instant DSCR approvals.
Philadelphia, PA
Philadelphia DSCR lender for Pennsylvania and Mid-Atlantic investors. Fix and flip, bridge, and rental portfolio products. 14-day closes.
Cleveland, OH
Real estate investment platform offering DSCR and bridge lending at scale.
Baltimore, MD
Nationwide investor lender. DSCR, fix & flip, and new construction programs.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
Great Neck, NY
Real estate crowdfunding and direct lending platform for investment properties.
DSCR Loans in New Jersey — FAQ
What is a DSCR loan and how does it work in New Jersey?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in New Jersey typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in New Jersey?
Most New Jersey DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in New Jersey?
Typical DSCR loans in New Jersey require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in New Jersey?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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