There is no shortage of investment opportunities in New Jersey, from larger cities such as Newark and Jersey City, to surrounding townships and counties up and down the shore and coastline. Where a real estate investment opportunity exists, EquityMax has provided financing options on purchases, rehabs, and cash-out refis to ensure profitable returns on fix and flip rehab properties.

Seamless Real Estate Lending Options When You Need Them Most

No Red Tape Needed

While other lenders take days to approve and fund deals, EquityMax minimizes your timeline to close with less documentation requirements and no formal application. Less red tape with a greater focus on the property leads to a streamlined process with closings from 2 days after receipt of title.

Direct Source Of Funds

Forget the middlemen. EquityMax does not borrow from banks or outside sources, and strictly funds deals with our family net worth. The ability to not have to source third-party funds for your deal leads to a more streamlined path to closing your investment project on time, or even early.

Advice Costs Zero

EquityMax always wants to ensure your deal makes sense, and can always assist with your due diligence on each deal that an investor can potentially purchase. Our ability to help gauge profitability leads to better expectations on your next real estate loan, for properties in North Jersey down South.

Wherever The Property May Be

When real estate investors scour the state to find their next deal, EquityMax can offer private money financing wherever that may be. From Bergen and Essex Counties to Middlesex, Monmouth, and Camden, count on a reliable source of hard money funds that will close your deal with simplicity and ease.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In New Jersey?

Latest Success Story

A loan originator approached EquityMax with a two property purchase loan for repeat clients of his. The borrowers had above-average credit, and the loan originator appreciated the easy and quick process we had to offer. Within two days receipt of the title search EquityMax closed and funded the transaction. The borrowers successfully rehabbed and sold each home within a week of each other for a nice return on their investment.

2 Property Portfolio Loan

Location – Jersey City, NJ

Loan Amount – $82,500

Purchase Price – $115,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – $45,000

Actual Retail Value – $220,000

Profit – $60,000

Driving Factors For New Jersey Real Estate Market

Rising Foreclosures

New Jersey has the highest foreclosure rate in the United States. As a result, there are plentiful investment opportunities for investors looking to take advantage of terrific distressed pricing and bargain buys.

Low Property Crime Rate

New Jersey has long been known for its tight hold on crime and keeping their residents safe. Additionally, New Jersey has the third lowest property crime rate in the U.S., adding an extra incentive for investors flocking to the Garden State.

High Rental Demand

With mortgage interest rates rising, it is potentially pricing out would be first-time home owners. As a result, a high number of residents are looking for bridge rentals until they can afford to buy a home. Therefore, the market is promising for real estate investors who choose to implement the BRRR investment strategy.

New Jersey Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Bergen, Monmouth, Union, Essex, Middlesex

EquityMax Insight

North Jersey – Hoboken, Jersey City, Fort Lee – has long been prime for developers and investors alike who wish to be close to New York City, without paying NYC prices. Other promising townships and cities for investors include East Orange, Chatham, Maplewood, and Strathmere. Coupled with world-class infrastructure, high rental demand, top-rated schools and universities, and ease of investing, New Jersey offers favorable opportunities to anyone looking to invest in real estate, whether a veteran or new investor.

What Our Clients Say

May 27, 2021

Happy to see a lender out there that finances smaller properties! Not a lot of lenders finance under $50,000, but EquityMax does.  Glad they’re around.

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible TermMinimal Insurance RequirementsZero Prepayment Penalty

Foreign National Loans

ZERO Credit or Qualification RequirementsNo Personal Guarantee RequiredFree Comparable and Repair Analysis

Transactional Funding

Catering to Real Estate Wholesalers1-3 Day FundingMinimal Notice to Close

Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401KNet Proceeds from Investing are Tax-DeferredNo Personal Guarantee

Have You Been Previously Denied By A Lender? Get A Second Chance With EquityMax

Did You Know

EquityMax sponsors over 20 Real Estate Investment Associations (REIAs) around the country, and has provided our team an opportunity to network and interact with real estate professionals outside of Florida.

Frequently Asked Questions

EquityMax does not require our borrowers to be a Corporation of LLC.  We can originate loans to individuals, LLCs, Corporations, Land Trusts, and Self-Directed IRAs.

Generally, EquityMax has seen a bigger volume of sales in the metro areas surrounding NYC and closer to universities like Central Jersey (i.e. Princeton) and even South Jersey closer to Philadelphia.

Yes. EquityMax has multiple borrowers with several active loans in our portfolio.

We saw what the gambling laws did for Las Vegas decades ago. Certainly, it may take some time to reach that stratosphere, however the new gambling law can only help and aide in new real estate development opportunities.

There are various local REIAs in the various regions of New Jersey (North, Central, South) that can be used for networking, buying and selling properties, etc…stay active!

EquityMax can send a borrower a Proof of Funds within 5 minutes of receipt of an acceptable, three-score credit report.  If a borrower does not have a recent report, he/she can request that Equitymax pull it.  For instructions, please click here.

EquityMax lends on any form of residential property, including single family homes, 1-4 multi-unit properties, condominiums & townhomes, and even small apartment complexes (20 units or less).  We also lend on commercial property and industrial warehouses.

Receive Immediate Pre-qualification Within 10 Minutes!