Home & Investment Property Loans | Sutton Finance Capital

Smarter Home & Investment Property Loans for NJ & NY Borrowers

Big online lenders treat every borrower the same. Sutton Finance Capital focuses on New Jersey and New York borrowers — especially investors — who want real strategy, not just a rate quote.

Talk With A Loan Strategist See Loan Options

Why Choose Us Instead of a Big Online Lender?

Rocket Mortgage is great for simple, W-2 borrowers. We specialize in complex scenarios and investment financing.

Built for Investors & Complex Files

Multiple properties, LLC ownership, self-employed income, DSCR loans, recent rehab — these are normal for us.

Local Focus, Real Conversations

You speak directly with a strategist who understands NJ/NY markets, values, lenders, and closing timelines.

Strategy First, Application Second

We analyze scenarios, cash flow, breakeven points, and long-term goals before recommending a loan path.

Loan Options

Home Purchase Loans

Primary, secondary, and vacation homes. Competitive fixed and adjustable rates. Fast pre-approvals.

Investment Property Loans

1–4 unit rentals, DSCR loans, and small multifamily financing. Perfect for real estate investors.

Refinance & Cash-Out

Lower your rate, pull cash out, or restructure debt. Ideal for investors scaling portfolios.

See Your Monthly Payments

Use our calculator to estimate your monthly mortgage payment based on loan amount, rate, and term.

Loan Amount ($)

Interest Rate (% per year)

Term (Years)

*Estimate is for principal & interest only and does not include taxes, insurance, or HOA fees.

Search Active Listings on Zillow

Enter the city or ZIP code where you want to buy, and we’ll send you directly to live listings on Zillow for that area.

City or ZIP Code

You’ll be taken to Zillow.com in a new tab with results for the area you entered.

How It Works

Step 1 — Share Your Scenario We learn your goals, property details, and financing needs.

Step 2 — We Build Your Loan Strategy Not just “rates” — we model payment, cash flow, and options.

Step 3 — Choose Your Best Option You pick the structure that fits long-term goals.

Step 4 — Smooth Closing We manage the process start-to-finish.

Frequently Asked Questions

How are you different from Rocket Mortgage?

Rocket is optimized for automated approvals. We specialize in investment loans, complex income, and strategy-based lending for real estate-focused borrowers in NJ/NY.

Do you offer DSCR loans for investment properties?

Yes — we finance DSCR, rental income loans, and 1–4 unit investment properties.

Can you help if I was declined by another lender?

Often yes. Many declines come from automated underwriting that doesn’t account for investor income or portfolio structure.

Do I need to apply immediately?

No. Many clients start with a strategy call or scenario review before submitting an application.

Get a No-Obligation Loan Strategy

Tell us what you're trying to accomplish. We’ll send options and next steps — no spam, no call centers, no obligation.

Email: jsutton@suttoneg.com