DSCR Loans in Salem 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 Salem 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, 53 lenders made 175 investment-property loans there, 1.0% of New Jersey's total; the most active are in the table below.
Salem County investor market at a glance
| Statistic | Salem County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 175 | 18,316 | 20th of 20 |
| Reporting lenders | 53 | 439 | 20th of 20 |
| Loan volume | $31.4M | $7.88B | 20th of 20 |
| Average loan | $179K | $430K | 20th of 20 |
| Median loan | $165K | $365K | 19th of 20 |
| Purchases | 46.9% | 56.9% | 18th of 20 |
| Cash-out refinances | 37.7% | 26.0% | 2nd of 20 |
| 2–4 unit properties | 24.6% | 30.0% | 8th of 20 |
| Top five lenders' share | 47.4% | 24.4% | 2nd of 20 |
| Reported business-purpose | 80.0% | 81.1% | 11th of 20 |
Salem County: closed-end loans on 1–4 unit investment properties. Salem County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Salem County's investor loans.
What stands out in Salem County
The five most active lenders wrote 47.4% of Salem County's investor loans, the second-highest share of New Jersey's 20 counties with published data (statewide: 24.4%).
Five lenders write 47.4% of the loans here, so comparing written term sheets matters more.
37.7% of Salem County's investor loans were cash-out refinances, the second-highest share of New Jersey's 20 counties with published data (statewide: 26.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The average investor loan in Salem County was $179K, the lowest average of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Salem County?
The most active investment-property lenders in Salem County in 2025 HMDA data were Loan Funder LLC; RF RENOVO MANAGEMENT COMPANY, LLC; and Kiavi Funding, Inc., out of 53 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 several that reported in Salem County, and matches each file to the one most likely to fund it.
Salem County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 175 loans and $31.4M from 53 lenders. Loan Funder LLC led Salem County with 31 loans, 17.7% of the county's total, and the average Salem County loan of $179K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 31 | $5.0M | $161K | 45.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 26 | $5.4M | $209K | 50.0% |
| Kiavi Funding, Inc. | 12 | $2.4M | $203K | 83.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | $1.5M | $193K | 37.5% |
| Rocket Mortgage, LLC | 6 | $1.1M | $182K | 33.3% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | $0.9M | $153K | 16.7% |
| CONSTRUCTIVE LOANS, LLC | 5 | $0.8M | $155K | 0.0% |
| The Pennsville National Bank | 4 | $0.9M | $225K | 25.0% |
| CMG MORTGAGE, INC. | 4 | $0.7M | $178K | 50.0% |
| NEWREZ LLC | 4 | $0.7M | $175K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.6M | $160K | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | $0.6M | $160K | 75.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.8M | $282K | 66.7% |
| Nations Lending Corporation | 3 | $0.4M | $142K | 33.3% |
| A&D Mortgage LLC | 3 | $0.4M | $138K | 100.0% |
| Franklin Bank | 2 | $0.7M | $350K | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | $0.5M | $260K | 100.0% |
| NATION ONE MORTGAGE CORPORATION | 2 | $0.4M | $200K | 50.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | $0.4M | $190K | 0.0% |
| UNITED MORTGAGE CORP. | 2 | $0.4M | $180K | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $0.3M | $175K | 0.0% |
| ARC HOME LLC | 2 | $0.3M | $170K | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | $0.3M | $165K | 0.0% |
| NFM, INC. | 2 | $0.3M | $165K | 100.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.3M | $160K | 0.0% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Salem County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Salem County CSV, all 25 lenders
What Salem County's table can't show you: fit. Short-term financing is exempt from HMDA, so Salem County's fix-and-flip and bridge lenders barely appear among its 53 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 several 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 Salem County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Salem 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 — Salem County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 53 lenders and 175 loans: 2025 HMDA loan-level data rolled up to Salem County.
- Salem County investor-lender dataset (CSV) — All 25 Salem County lenders in the table, Loan Funder LLC 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.