Specialty Financing
Specialty Financing
in New Jersey
Not every strong buyer fits a standard loan box. Investors, self-employed business owners, and buyers at higher price points often need a different path — one that qualifies on rental income, bank deposits, or simply allows a larger loan. Here's where those options live.
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Financing for non-standard situations
DSCR Loans
For investors — qualify on the property's rental income instead of your personal tax returns, with no limit on financed properties.
Explore DSCR → 02Self-Employed / Bank Statement
For business owners and 1099 earners — qualify using bank-statement deposits rather than tax returns that understate your income.
Explore Self-Employed → 03Jumbo Loans
For higher price points — financing above the conforming limit, essential across northern NJ's luxury markets.
Explore Jumbo →When standard guidelines don't fit
Qualify a different way
These are largely non-agency (Non-QM) and jumbo products with lender-specific guidelines that change periodically. Confirm current terms with Bond Street.
10,000+ Properties Available
- 3D
4 Beds 3 Baths 718 SqFt$1,000,000Price Dropped by $300K51 Albany Avenue, Nutley, NJ 07110
Listed by Christie's International Real Estate Group
Single Family Home
- 1/14 14
8 Beds 3 Baths$948,000Active - 1/17 17
3 Beds 2 Baths 1,500 SqFt$829,999Price Dropped by $20K - 1/16 16
3 Beds 2 Baths 1,500 SqFt$799,000Active - 1/50 50
4 Beds 4 Baths 1,948 SqFt$799,000Price Dropped by $50K 
11 Baths$750,000Active- 1/2 2
5 Beds 3 Baths$699,000Active - 1/34 34
1 Bed 2 Baths 977 SqFt$624,999Price Dropped by $25K - 1/30 30
2 Beds 1 Bath 1,091 SqFt$469,000Active - 1/13 13
3 Beds 1 Bath 1,687 SqFt$449,000Active - 1/24 24
2 Beds 1 Bath 700 SqFt$375,000Price Dropped by $25K - 1/32 32
1 Bed 1 Bath 795 SqFt$339,900Price Dropped by $20K - 1/19 19
1 Bed 1 Bath 850 SqFt$270,000Active - 1/14 14
1 Bed 1 Bath 850 SqFt$189,000Active - 1/40 40
3 Beds 3 Baths$5,700Active - 1/24 24
2 Beds 1 Bath$3,850Active - 1/24 24
1 Bed 1 Bath 700 SqFt$3,600Active - 1/28 28
3 Beds 2 Baths$3,200Active - 1/23 23
2 Beds 2 Baths 1,084 SqFt$3,100Active - 1/10 10
2 Beds 1 Bath 1,000 SqFt$2,700Active - 1/17 17
2 Beds 1 Bath 1,100 SqFt$2,600Active - 1/11 11
3 Beds 1 Bath 1,200 SqFt$2,200Active - 1/7 7
1 Bed 1 Bath$2,200Active - 1/23 23
2 Beds 2 Baths$3,625Active203 Central Park PL, Ramsey, NJ 07446
MLS# 26001992
Listed by Ann DiLonardo of Terrie O'Connor Realtors-Lake St.
Single Family Home, Condo, Townhouse, Other Rentals
Compare at a glance
DSCR vs. Self-Employed vs. Jumbo
| Program | Qualifies on | Best for | Property use | Typical down payment |
|---|---|---|---|---|
| DSCR | The property's rental income | Real estate investors | Investment (non-owner-occupied) | Often 20–25% |
| Self-Employed / Bank Statement | Bank-statement deposits | Business owners, 1099 earners | Primary, second, or investment | Often 10–20% |
| Jumbo | Full documentation, strong credit | Higher-price-point buyers | Primary, second, or investment | Often 10–20%+ |
These are specialty products — guidelines, down payments, and reserves vary by lender and change periodically. Confirm current terms with Bond Street.
Common questions
Specialty financing FAQs
I'm self-employed and my tax returns look low. Can I still buy?
Often yes. A bank-statement loan qualifies you on actual deposits over 12–24 months rather than the net income on your tax returns, which write-offs frequently understate.
How do investors finance rentals without showing personal income?
With a DSCR loan, qualification is based on whether the property's rental income covers its debt — your personal income and tax returns typically aren't part of the equation, and there's no cap on the number of financed properties.
When do I need a jumbo loan in northern NJ?
Any time the loan exceeds the 2026 conforming limit of $1,209,750 for a one-unit home in these counties. That's common in luxury markets like Franklin Lakes, Alpine, and Saddle River. See jumbo loans.
Are these loans harder to get?
They have their own rules rather than being "harder" — typically larger down payments, stronger reserves, and lender-specific guidelines. For the right borrower they're very accessible. Start your pre-approval to see your options.
Our trusted lending partner
Bond Street Mortgage
We work hand-in-hand with Bond Street Mortgage, serving Bergen, Passaic, Morris, Hudson, and Essex counties. Their team coordinates with us from pre-approval through closing.
Talk to the team
Find the financing that fits your situation
Reach out and we'll connect you with the right loan path and a pre-approval that holds weight in a competitive market.
RE/MAX Select — Chopper Russo Team. Thomas "Chopper" Russo, 392 Ramapo Valley Rd, Oakland, NJ 07436. Not a commitment to lend. Loan products, rates, guidelines, and approval are provided by Bond Street Mortgage subject to its terms and qualification.