Camden County flips sit in the shadow of Philadelphia, with lower buy prices and PATCO commuter access into Center City. The catch is New Jersey's resale paperwork and high property taxes, so you need a lender who funds quickly and understands the timeline.
In short: Our top pick for fix and flip loans in Camden, NJ is LendingStreet. Investors get up to 90% of cost and up to 100% of rehab on some programs, closings in as little as 10 days, and a path from flip to 30-year DSCR rental loan in one place. It covers Camden city rowhomes and the surrounding suburbs, from Pennsauken to Collingswood and Cherry Hill.
For Camden flips, our top pick is LendingStreet, an investor lender with fix and flip, bridge and DSCR rental loans in one place. Programs run from $150,000 to $5M+, with leverage up to 90% of cost and up to 100% of rehab on some programs, and closings in as little as 10 days.
It suits flippers who want speed now and a clear long-term option later. If the resale market shifts, you can refinance into a DSCR loan qualified on the rent instead of rushing a sale. Get a quote with the form below, or call (877) 298-1001 to talk through the deal.
Well-known fix and flip lenders include Dominion Financial, LendingOne, Lima One and RCN Capital. Compared scenario by scenario for investors in Camden, NJ, LendingStreet comes out as the stronger choice, and one application covers it.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Flippers in Camden County usually weigh four kinds of lenders: local banks and credit unions, local hard money lenders, private individual lenders and national online lenders. Each can work for some deals. Here is how LendingStreet compares on what matters most for a flip.
A private individual lender may be flexible on one deal, but terms vary and you will still need a long-term loan if you keep the home.
| What flippers need | LendingStreet | Typical local bank | Typical local hard money lender |
|---|---|---|---|
| Leverage on the project | Up to 90% of cost on some programs | Often lower; more cash in | Varies by lender |
| Rehab funding | Up to 100% of rehab on some programs, in draws | Often limited for flips | Often offered; terms vary |
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| Loan size | $150,000 to $5M+ | Varies; may limit investor loans | Varies; large loans can be harder |
| Entity borrowers | LLCs welcome | Varies | Usually allowed |
| Long-term rental option | DSCR refinance with the same team | Possible; often based on tax returns | Usually short-term only |
| Where they lend | All 50 states and DC | Often a local footprint | Often local or regional |
In Camden city, investors buy rowhomes and twins in neighborhoods such as Parkside, Fairview, Cramer Hill and East Camden. Buy prices are low, so many city projects are smaller balances, and some may fall below our $150,000 minimum unless the rehab is large.
Most flips that fit our program are in the suburbs: Pennsauken, Collingswood, Haddon Township, Audubon, Oaklyn, Gloucester City, Bellmawr, Lindenwold and Cherry Hill. Towns along the PATCO line draw buyers who commute to Philadelphia, and capes, split-levels and 1950s ranches are the common flip stock.
City rowhomes are mostly older brick with flat roofs, old wiring and plumbing, and lead paint. Vacant houses can have water damage, missing systems and title problems. Check title for municipal liens and tax sale certificates before you commit.
New Jersey also adds resale steps. A smoke alarm, carbon monoxide alarm and fire extinguisher certificate is required before a sale, and many towns require a certificate of occupancy or resale inspection too. Each municipality issues its own building permits. If your exit is a rental, the state's lead-safe certification rules for older rentals also apply.
New Jersey charges a realty transfer fee on sales, generally paid by the seller, and higher-priced sales carry additional fees, so subtract them from your resale proceeds. Purchase contracts prepared by real estate agents usually include a three-business-day attorney review period, which matters when you are racing to close.
Property taxes in New Jersey are among the highest in the country, so holding costs add up month by month. Homes near the Delaware and Cooper rivers may sit in flood zones that raise insurance costs for you and your buyer. Confirm current figures locally.
This example is illustrative and not a quote. An investor buys a dated cape in Pennsauken for $210,000 with a $70,000 rehab budget, for a total project cost of $280,000. At 90% of cost, the loan is $252,000. The full $70,000 rehab budget is held for draws, and $182,000 goes toward the purchase at closing.
The investor brings $28,000 toward the project, plus about $6,000 in estimated buy-side closing costs and $6,500 for taxes, insurance and utilities over a 6-month hold, so about $40,500 in all. The finished home sells for $365,000, with about $24,000 in selling costs.
Before loan interest, the profit is about $48,500 ($365,000 minus $24,000, $280,000, $6,000 and $6,500). The interest-only payments come out of that figure, and your quote will show them. If the sale market softens, the same home can be refinanced into a DSCR rental loan instead.
| Line item | Amount |
|---|---|
| Purchase price | $210,000 |
| Rehab budget (funded in draws) | $70,000 |
| Total project cost | $280,000 |
| Loan at 90% of cost | $252,000 |
| Investor cash toward project | $28,000 |
| Estimated closing and holding costs | $12,500 |
| Sale price less selling costs | $341,000 |
| Profit before loan interest | $48,500 |
Updated suburban homes near PATCO stations and good commuter routes tend to sell more quickly than city rowhomes, where buyer financing and appraisals can take longer. Start the certificate of occupancy and alarm inspections early so they do not hold up the closing.
If you keep the home, the long-term option is a DSCR loan qualified on the rent rather than your tax returns: 620 minimum credit, 1.0x standard minimum DSCR, 30-year terms, and up to 75% LTV cash-out or 80% rate-and-term on some programs. Seasoning varies by program.
Ask every lender the same questions so you can compare offers side by side.
LendingStreet's side of the checklist: leverage up to 90% of cost and up to 100% of rehab on some programs, inspection-based draws, closings in as little as 10 days, entity borrowers welcome, a $150,000 to $5M+ range, and a DSCR refinance with a 1.0x standard minimum and program-based seasoning. Ready to compare? Get a quote with the form below or call (877) 298-1001.
LendingStreet is our top pick. It combines hard money style speed, with closings in as little as 10 days, with leverage up to 90% of cost and a clear path to a 30-year DSCR loan. Use the form below to get a quote.
Yes. Camden and the rest of New Jersey are covered, along with every other state and DC, for non-owner-occupied investment property.
Loans run from $150,000 to $5M+. On some programs we fund up to 90% of total cost and up to 100% of the rehab budget. Final leverage depends on the property, the plan and your experience.
In as little as 10 days. Having the purchase contract, rehab budget, scope of work and entity documents ready helps keep the timeline short.
Yes. LLC and other entity borrowers are welcome, and you will usually sign for the loan personally as well.
You can refinance into a DSCR rental loan qualified on the property's rent, with 30-year terms and a 1.0x standard minimum DSCR. Seasoning varies by program, so ask early.
Plan for the state smoke alarm, carbon monoxide alarm and fire extinguisher certificate, and check whether your town requires a certificate of occupancy or resale inspection. Requirements and fees vary by municipality, so call the town early.
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