$2.4B+ Funded

Fund Your Next Fix and Flip Loan in New Jersey

Fast, flexible financing for New Jersey real estate investors, from straightforward rehabs to complex conversion projects. One team underwrites the deal, funds the closing, and manages every draw through payoff. The capital, continuity, and certainty to grow from your first flip to your 100th.

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7 Days

As Fast as 7-Day Close

92.5%

Up to 92.5% LTC

90%

Up to 90% LTPP

Balance Sheet Lender

In-House, Start to Finish

NJ Lender Since 2020

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Why Stormfield

Built for New Jersey Fix and Flip Investors

Execution Beats a Headline Rate.

A delayed draw can cost more than a small rate difference. Stormfield controls its capital and keeps approvals internal, reducing approval handoffs that can delay contractor payments.

Built for New Jersey's Deal Variety.

Single-family rehabs, duplexes, four-unit projects, condo conversions, Shore properties, and cash-out situations each differ, so Stormfield underwrites every deal around its scope, basis, and exit.

Keep More Capital Working.

Financing up to 92.5% of total project cost can leave more investor cash available for reserves, carrying costs, and the next opportunity. Final leverage depends on the borrower, property, scope, and exit.

Program Terms

Fix & Flip Loan Overview

What you can borrow on a New Jersey fix and flip, at a glance. For the complete product, see the Fix & Flip program page.

New Jersey's opportunity set spans dense urban properties, suburban single-family homes, small multifamily, condo conversions, and Shore projects. Stormfield's balance-sheet model keeps accountability in one place: the same team underwrites the scope, funds the closing, manages construction draws, and responds when the project changes.

Loan Amount

$150K to $5M+

Loan-to-Cost

Up to 92.5%

Max Loan-to-Value

Up to 75%

Closing Speed

7 to 10 Days

Property Types

Single Family, 2 to 4 Unit, Townhomes, Condos

Eligible

Borrowers applying through an entity (LLC or Corporation)
Non-owner occupied investment properties (SFR, condos, townhomes, 2–4 unit multifamily)
First-time and experienced investors (must show liquidity)
Properties in livable condition (may be vacant or occupied)
Borrowers with sufficient liquidity for down payment, reserves, and interest carry
No minimum FICO score

Not Eligible

Individuals applying for owner-occupied primary residences
Vacant land or land development projects
Churches, restaurants, or special-use commercial properties
Pre-development or horizontal development projects
Any deal where Stormfield cannot hold 1st lien position

Full Program Terms Get an Instant Quote

Track Record

Recent New Jersey Fix & Flip Projects

From North Jersey suburbs to the South Jersey Shore, these are a sample of fix and flip loans Stormfield has closed across New Jersey. The range in deal size and property type reflects the breadth of what we fund, not the limits of it.

Stirling, NJ Single-Family

$530,000

65% LTV 12 Month Term

A repeat borrower used nine construction draws over six months to complete a $160K full-gut renovation, then sold the property for $855K, $26K above projected ARV.

View Transaction

Montclair, NJ Multifamily

$1,072,500

65% LTV 12 Month Term

An experienced repeat borrower secured financing for the acquisition and renovation of a Montclair investment property.

View Transaction

North Wildwood, NJ Change of Use

$3,250,000

45% LTV 12 Month Term

A borrower was converting a two-parcel North Wildwood motel into residential condominiums. Stormfield structured the loan around the unconventional change of use, including $815K in reserves for the per-unit construction plan.

View Transaction

See All New Jersey Deals Submit Your Deal

FAQ

Common Questions About Fix & Flip Loans in New Jersey

New Jersey projects vary block by block and scope by scope. These answers cover the closing, draw, and underwriting process.

Will Stormfield fund a deal like mine in New Jersey?

Stormfield funds fix and flip projects across New Jersey, from North Jersey multifamily rehabs to South Jersey and Shore projects. The published transactions are a sample of a broader portfolio that includes single-family, small multifamily, foreclosure, project-completion, and conversion opportunities. If your project falls outside what is shown in the funded transactions, that reflects deal mix rather than a hard restriction. Contact the team directly to talk through your specific deal.

How fast can Stormfield close a New Jersey fix and flip loan?

Submit a prequalification and get an instant quote. Most transactions close within 7 to 10 business days of a complete application, and faster when your file is ready.

How are construction draws handled?

Draw requests are managed by Stormfield's in-house servicing team, reducing handoffs between lender and servicer. The Stirling full-gut renovation shows how that process works in practice: nine draws over about six months, released without re-review delays. Read the Stirling case study.

Can Stormfield handle a heavy rehab or condo conversion?

Yes, subject to underwriting. Stormfield has financed full-gut renovations, additions, small multifamily projects, and condo conversions in New Jersey. A detailed scope, realistic contingency, experienced contractor, supportable ARV, and clear exit all matter.

What happens if the renovation scope changes?

Scope changes are evaluated internally by the team that already knows the loan. Approval is not automatic, but Stormfield does not need to ask a warehouse provider or third-party investor for permission before making a decision.

Do you work with first-time New Jersey investors?

Yes. First-time flippers are evaluated on credit strength, liquidity, the quality of the project plan, and the contractor relationship. Borrowers apply through an LLC or corporation and must show sufficient cash for the down payment, reserves, and interest carry.

I'm a broker. Will Stormfield protect my client relationship?

Yes. Your client stays your client. Stormfield keeps you informed, never cross-sells your borrower, and handles underwriting, closing, and servicing in-house. Learn more about the Stormfield Broker Program.

Ready to Keep Your Next New Jersey Rehab Moving?

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