New Jersey DSCR Loan Calculator
Screen a New Jersey rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for New Jersey; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
New Jersey DSCR assumptions
The calculator seeds New Jersey with a starting property value of $460,000.00, starting rent of $1,650.00, annual property tax based on a 1.88% effective rate, and estimated annual insurance of $1,721.00.
STR note: No statewide ban. Municipalities vary widely — Asbury Park, Cape May, and Atlantic City have STR frameworks. Many residential municipalities have de facto or formal STR restrictions. Shore town STR rules are highly variable and evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Newark/Essex County (highest gross yields in NJ, NYC proximity, cash flow but complex regulatory environment). Jersey City/Hudson County (NYC proximity, strong appreciation, difficult cash flow + rent control). Trenton/Mercer County (affordable, state government, cash flow). Camden/Camden County (most affordable NJ entry prices, cash flow, revitalization potential). Atlantic City/Atlantic County (casino economy, affordable, STR potential).
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