DSCR Loans in Cape May County, New Jersey
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across Cape May County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 146 lenders made 620 investment-property loans there, 3.4% of New Jersey's total; the most active are in the table below.
Cape May County investor market at a glance
| Statistic | Cape May County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 620 | 18,316 | 13th of 20 |
| Reporting lenders | 146 | 439 | 10th of 20 |
| Loan volume | $429.8M | $7.88B | 7th of 20 |
| Average loan | $693K | $430K | 1st of 20 |
| Median loan | $485K | $365K | 4th of 20 |
| Purchases | 72.3% | 56.9% | 1st of 20 |
| Cash-out refinances | 15.8% | 26.0% | 20th of 20 |
| 2–4 unit properties | 13.9% | 30.0% | 17th of 20 |
| Top five lenders' share | 21.3% | 24.4% | 18th of 20 |
| Reported business-purpose | 66.9% | 81.1% | 20th of 20 |
Cape May County: closed-end loans on 1–4 unit investment properties. Cape May County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cape May County's investor loans.
What stands out in Cape May County
72.3% of Cape May County's investor loans were purchases, the highest share of New Jersey's 20 counties with published data (statewide: 56.9%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The average investor loan in Cape May County was $693K, the highest average of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 21.3% of Cape May County's investor loans, the third-lowest share of New Jersey's 20 counties with published data (statewide: 24.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Who are the DSCR and investment-property lenders in Cape May County?
The most active investment-property lenders in Cape May County in 2025 HMDA data were GUARANTEED RATE, INC.; CROSSCOUNTRY MORTGAGE, INC.; and Loandepot.Com, LLC, out of 146 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Cape May County, and matches each file to the one most likely to fund it.
Cape May County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 620 loans and $429.8M from 146 lenders. GUARANTEED RATE, INC. led Cape May County with 34 loans, 5.5% of the county's total, and the average Cape May County loan of $693K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 34 | $29.2M | $859K | 85.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 32 | $15.8M | $493K | 87.5% |
| Loandepot.Com, LLC | 25 | $15.1M | $606K | 84.0% |
| Sturdy Savings Bank | 21 | $36.5M | $1740K | 76.2% |
| Loan Funder LLC | 20 | $18.9M | $945K | 90.0% |
| Rocket Mortgage, LLC | 20 | $13.3M | $663K | 35.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 20 | $9.7M | $486K | 85.0% |
| Crest Savings Bank | 18 | $7.3M | $404K | 83.3% |
| CMG MORTGAGE, INC. | 17 | $9.6M | $566K | 58.8% |
| Prosperity Home Mortgage, LLC | 14 | $9.6M | $684K | 85.7% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $8.4M | $645K | 100.0% |
| LENDINGONE, LLC | 12 | $11.4M | $951K | 50.0% |
| First Savings and Loan Company | 11 | $10.3M | $932K | 81.8% |
| Kiavi Funding, Inc. | 10 | $5.1M | $509K | 90.0% |
| LIMA ONE CAPITAL, LLC | 10 | $3.2M | $324K | 20.0% |
| U.S. Bank National Association | 9 | $5.1M | $562K | 100.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 9 | $5.0M | $551K | 100.0% |
| KIND LENDING, LLC | 9 | $3.0M | $331K | 88.9% |
| Citizens Bank, National Association | 8 | $5.4M | $670K | 62.5% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 8 | $4.1M | $511K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 8 | $2.6M | $324K | 50.0% |
| Wilmington Savings Fund Society, FSB | 7 | $6.1M | $865K | 71.4% |
| TD Bank, National Association | 7 | $5.8M | $825K | 71.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | $5.0M | $714K | 28.6% |
| NEWREZ LLC | 7 | $3.5M | $498K | 71.4% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cape May County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cape May County CSV, all 25 lenders
What Cape May County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cape May County's fix-and-flip and bridge lenders barely appear among its 146 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Cape May County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cape May County property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Cape May County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 146 lenders and 620 loans: 2025 HMDA loan-level data rolled up to Cape May County.
- Cape May County investor-lender dataset (CSV) — All 25 Cape May County lenders in the table, GUARANTEED RATE, INC. first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.