Qualify using rental income from your investment property, not your personal tax returns. New Jersey's trusted mortgage family since 1999.
Prefer to talk? Call 800.778.9044 — real DSCR experts, not a call center.
Qualification based on the property's rental income potential.
Fast closings and minimal documentation required.
Purpose-built for rental property investors across New Jersey.
Attractive options for long-term wealth building.
Our DSCR loan programs are tailored for New Jersey real estate investors looking to expand their rental portfolios. From Jersey City condos to Jersey Shore vacation rentals, we provide flexible financing based on property performance, not your W-2.
Skip the tax returns and pay stubs. Qualify using the rental income from your investment property.
Purchase, rate-and-term refinance, or cash-out options. Terms that work for your investment strategy.
Work with experienced loan advisors who understand the New Jersey investment market.
Whether you're acquiring your first rental or scaling a multi-property portfolio, our DSCR program fits investors at every stage.
Get personalized guidance on your investment scenario. We'll analyze your property's DSCR, discuss rate options, and help you understand what it takes to qualify.
Request Free ConsultationNo obligation. Response within 1 business day.
Use our free tools to analyze investment properties and see if you qualify for financing before you apply.
Calculate your debt service coverage ratio and monthly cash flow.
CalculateFind the most you can pay and still hit your target DSCR.
CalculateSee your annual ROI on the cash you invest.
CalculateAnswer 6 questions to check if you qualify.
Take QuizBelow are common program parameters. Exact terms are confirmed with your loan advisor based on your scenario.
1.0 – 1.25+
Typical minimum
20 – 25%
Common range
660+
Common minimum
1 – 4
Unit properties
Loan purposes: Purchase, rate-and-term refinance, and cash-out refinance. Properties may be held in an LLC or personal name. Learn more about how DSCR is calculated.
Advisors Mortgage Group has served New Jersey since 1999. Recognized as the Jersey Shore's #1 Purchase Lender, we combine local expertise with investor-focused programs.
Specialized programs for real estate investors. Company NMLS #33041.
Family. Customers. Community. We treat every client like family.
Minimal documentation for qualified investors. Get to the closing table faster.
Real feedback from real closings. See why clients trust our team for their mortgage needs.
"The Team I worked with at AMG (Greg, Helen and Ginny) were absolutely incredible! My wife and I are first time home buyers and at first the process looked incredibly dauntin, ..."
"Son un equipo comprometido con las necesidades de sus clientes. Excelente servicio, comunicación efectiva y trato humano. gracias"
"Working with Advisors Mortgage was a great experience from start to finish. The entire team was professional, responsive, and made the home-buying process smooth and stress-free. They kept me informed..."
"Amazing team!! So thankful."
"great job! especially getting it in under pressure with a short deadline"
"Hi, i'm betty happy when you guys don't have nothing to complain about"
From bustling commuter towns near New York City and Philadelphia to sought-after Jersey Shore vacation destinations, we finance investment properties throughout the Garden State.
Jersey City, Hoboken, Newark, Montclair, Morristown, and surrounding areas with strong rental demand from NYC commuters.
New Brunswick, Edison, Princeton area, and the Route 1 corridor. College towns and corporate centers with consistent tenant pools.
Camden County, Cherry Hill, Gloucester, and South Jersey markets serving the Philadelphia metro workforce.
Ocean County, Monmouth County, and Atlantic County beach communities. Short-term and seasonal rental financing available.
2-4 unit properties throughout New Jersey. Duplexes, triplexes, and fourplexes for investors seeking multiple income streams.
Single-family investment homes in suburban and urban markets. Long-term rentals and turnkey properties.
Tell us about your investment property and a New Jersey loan advisor will reach out to discuss your options.
Or call 800.778.9044 to speak with our team.
