Northeast · New Jersey · Mixed-Use · First lien
Mixed-use hard money loans in Jersey City, NJ.
First-position mixed-use loans in Jersey City, New Jersey (NJ) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Jersey City market context
The Jersey City economy behind the collateral.
Jersey City has developed into a dense financial services and residential extension of Manhattan, supported by waterfront office towers and transit access.
Requests commonly involve high-rise multifamily and office repositioning along the waterfront corridor.
Economic anchors
- Goldman Sachs Tower
- PATH train system
- Liberty State Park waterfront district
Mixed-Use underwriting
What we look at first.
- Income split and stability by component
- Residential rents and commercial tenancy
- Zoning, condo structure and separate metering
- Local foot traffic and neighborhood trajectory
- Capital needs across the building
Situations
Mixed-use loans we see in Jersey City.
- Refinancing buildings that do not fit a single lender category
- Acquisitions needing speed ahead of a competing buyer
- Commercial lease-up beneath stabilized residential
- Renovation of older main-street buildings
Selling a mixed-use property in New Jersey? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Jersey City, NJ mixed-use loan request.
Questions
Jersey City, NJ mixed-use loans, answered.
- Does Stokley Capital make mixed-use loans in Jersey City, NJ?
- Yes. We make first-position mixed-use hard money and bridge loans in Jersey City, New Jersey (NJ), typically $1M–$5M, with larger loans considered.
- What drives the Jersey City market?
- Jersey City has developed into a dense financial services and residential extension of Manhattan, supported by waterfront office towers and transit access.
- What should a Jersey City mixed-use loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Financing mixed-use in Jersey City?
Send the property, amount and deadline. A principal will respond directly.