FIX & FLIP LOANS · New Jersey (NJ) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

New Jersey Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

New Jersey Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In New Jersey (NJ), lenders underwrite to a Judicial (Superior Court Chancery Division) statutory framework (210–300 days-day average timeline), a 2.23% average property tax rate (~$920/mo at the $495,000 state median), and $530/$100K hazard insurance (~$219/mo).

Max Leverage / LTC
Up to 90% Purchase + 100% Rehab (75% ARV Cap)
Min FICO: 620 – 660+ FICO
2026 Rate Band
9.25% – 11.25% Interest-Only
12 – 18 Months Interest-Only (No Prepayment Penalty)
NJ Security Instrument
Judicial (Superior Court Chancery Division)
210–300 days days avg timeline
NJ Avg Tax & Ins
2.23% Tax
$530/$100K Hazard Ins

New Jersey County-Level Property Tax & Insurance Hubs (3)

Bergen County, NJ
Bergen County, NJ · 2.18% Tax · $610/$100K Ins
Essex County, NJ
Essex County, NJ · 2.42% Tax · $640/$100K Ins
Hudson County, NJ
Hudson County, NJ · 1.88% Tax · $650/$100K Ins

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New Jersey Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach