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.

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