The premier lender for hard money loans in Jersey City

Jersey City Hard Money Lenders

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The Best Hard Money Lender For Jersey City Real Estate Investors

Asset Based Lending is the best private money lender in Jersey City and the rest of New Jersey, offering hard money loans for fix and flips, new construction, and long-term rental portfolios. We specialize in closing deals quickly- our borrowers never miss an opportunity thanks to loan approval as fast as 24 hours and loan closings in 10 days or less. Our flexible underwriting and streamlined process lets us tailor loans specifically to match your project, providing fast and professional funding to make sure your project never experiences delays.



With over a decade of success and hundreds of verified five-star reviews, we provide the most reliable loans for real estate investments in Hudson County and beyond. ABL’s team are experts in the local real estate markets, understanding that a loan for a multi-family condo in Jersey City needs to be handled differently than a single-family home in Newark. If you’re ready to be approved for your Jersey City hard money loan for fix and flips, new construction, or rental portfolio, contact us today.

Recently Funded: Jersey City, NJ Fix & Flip Loan

Purchase: $205,000 Loan Amount: $319,000
Renovation: $150,000 ARV: $525,000

Close In 10 Days Or Less With Jersey City’s Best Hard Money Lender

Jersey City Fix And Flips On The Rise

Despite the population migration away from the city due to the pandemic, the average home prices in Jersey City have continued to rise due to home buyers and investors taking advantage of the open inventory. As of January 2021, the average sale price for homes reached $622,500 which is a 12% increase from the previous year. 142 homes sold throughout the month which is a slight 4% decrease from the previous year. The sale price growth and very small drop in total sales indicates that demand for urban living outside of New York City is still high, and that the post-pandemic rebound could see an even larger price spike so investors should act now to secure a higher ROI.

Our team loves working with both new and experienced real estate investors, providing the same five-star service regardless of experience level. Given the current inventory shortages occurring in suburban areas throughout the country, cities like this are a great option for investors that can turn distressed or middle-of-the-road properties into high quality living situations. ABL is always ready to deliver the most reliable hard money loans for fix and flips in Jersey City, so contact us today to be approved.

New Construction Helping Jersey City Real Estate

With so many people preferring to be spaced out rather than living on top of each other, new construction in Jersey City is providing home options for this shift in lifestyle. Experienced builders and contractors are taking advantage of these inventory gaps by providing spaced out condos and multi-family properties that allow for more space and less cramped living quarters. Being able to design homes to meet the evolving market demands is a very lucrative investment, with homes in the area currently selling for $486 per square foot which marks a 24% increase from last year.

As builders and contractors continue to design their projects around current market demands, its important to note which features home buyers are looking for the most. Right now, the top three Jersey City home features receiving the most attention are high ceilings, crown molding, and waterfall counters. Properties with these features are receiving up to 2% higher than the initial asking price and on average have approximately 15% more listing views, so focusing on all three could help push the ROI even higher. If you’re an experienced investor looking for Jersey City new construction loans, contact us today.

Jersey City Rental Market Rebounding

Even though urban locations in the tristate area took a hit to their rental markets recently, cities like Jersey City are starting to recover and prepare for their return to glory. Vacancy rates shot up during the pandemic, but it also reduced the market value for these rental properties which is the perfect time for real estate investors to swoop in and begin their rental portfolio in a highly desirable location. With the rental market set to rebound by the end of the year, now is the best time for investors to find properties to add to their rental portfolio.

One of the hottest trends in real estate investing is the BRRRR strategy, which is a long-term investment strategy that stands for buy, rehab, rent, refinance, and repeat. This investment method is focused on the long-term wealth where an investor purchases a rental property, renovates it to increase the market value and charge higher rent, fill the property with a tenant to begin generating monthly income, and then refinance the loan to use the new capital to fund the next property purchase. Repeating this process over time can lead to several sources of passive monthly income, which makes the BRRRR method so popular with young investors looking to set themselves up for the future. If you’re ready to begin your rental portfolio using our Jersey City rental loans, contact us today.

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