Adler Financial Group
Fairfax, Virginia
Our Minimum Loan Amount Is
$3,000,000
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Adler Private Lending has been a developer, property owner/manager, and flexible real estate lender in the DC metro area for over 40 years. We offer bridge loans over $3 million in many areas throughout the country for strong borrowers/sponsors who are bankable but have a situation in which private lending is more suitable. We pride ourselves on having swift commitments and closings, alongside competitive rates with flexible underwriting criteria.
Property Geographic Area Details
Primary and Secondary markets nationwide. We will not consider rural areas.
Loan Amounts
$3,000,000 to $15,000,000
Interest Rates
8% to 12%
Max Loan-To-Value
65%
Max Loan-To-Cost
75%
Origination Fees
1% to 4%
Loan Terms
6 months to 36 months
Lien Position
- 1st
Loan Purpose
- Investment Acquisition
- Investment Refinance
- Improve Subject Property
- Use Equity to Invest in Another Property
- Invest in a Business
- Business Working Capital
- Value Add Project
- Development Project
- Primary Residence Purchase
Property Occupancy
- Vacant
- Tenant Occupied 100%
- Owner Occupied Commercial
Property Types and Loan Types
Collateral Types
- Residential Property
- Commercial Property
Property Types
- 2-4 Units Residential
- Adult Day Care
- Agricultural
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Bed and Breakfast
- Cannabis Dispensary
- Cannabis Grow Facility
- Car Wash
- Casino
- Child Day Care
- Cinema
- Club
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Cooperative
- Equestrian
- Event Center
- Gas Station
- Golf Course
- Gym
- Healthcare
- Hospital
- Hostel
- Hotel
- Industrial
- Manufactured Home
- Marina
- Mixed-Use
- Mobile Home Park
- Motel
- Multifamily
- Night Club
- Office
- Parking Lot
- Place of Worship
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Ranch
- Recreational
- Rehabilitation Facility
- Religious Facility
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
- Theater
- Timberland
- Vehicle Parking
- Winery
Loan Types
- Commercial Bridge
- Commercial Property Value Add
- Commercial Ground-Up Construction
Specialty Loan Types
- Land Development
- Residential Long-Term Rental
- Note Purchase
- Partner Buyout
- Discounted Note Payoff
- Bankruptcy Resolution
- Foreclosure Bailout
- Line of Credit Single Property
- Line of Credit Portfolio of Properties
- Cannabis Use Properties
Agribusiness Loan
Agribusiness Types
- Cattle Ranch
- Cannabis
Will Consider Cannabis Use Properties
yesMaximum LTV for Cannabis Use Properties
70%Cannabis Property Use Type
- Cultivation
- Retail Dispensary
- Retail Sales
- Manufacturing
- Processing
- Production
Land Loan
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
- Agricultural Land
- Special Purpose Land
- Cannabis Use Land
Will Consider Land That is NOT Entitled
yesMax LTV for Land
60%Max LTC for Land Acquisition
85%Purchase Loan
Max Loan-To-Purchase Price
70%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Seller Financing
- Family
Rehab Value Add Loan
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
2Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
5Construction Loan
Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
2Max LTC for Ground-Up Construction Costs
100%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesDetails and Requirements
Typical Closing Time (Days)
10Fastest Closing Time (Days)
5Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
- No Monthly Payments Required
Pre Payment Penalty
no
Will lend to a foreign national
yes
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
noWill Consider Collateralizing Multiple Properties in One Loan
yesWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- Individual(s)
- LLC
- Limited Partnership
- Trust
- Corporation
- Non-Profit Corporation
Appraisal Required for Residential Property
SometimesAppraisal Required for Commercial Property
SometimesBroker Price Opinion (BPO) Accepted for Residential Property
SometimesBroker Price Opinion (BPO) Accepted for Commercial Property
SometimesFees
Processing Fee
Minimal fee for all in-house work related to closing the deal. Varies with location, deal size, and complexity, but always among the lowest in the business. All underwriting costs (site visit, etc) charged at cost, without markup. Document preparation and appraisals almost always done in-house.
Adler Financial Group is an entrepreneurial family partnership seeking investment opportunities which forward the success of our partners, employees, clients, and vendors. For more than a quarter of a century, we have been the capital resource of choice for Washington DC area real estate professionals and investors. We have recently expanded our geographic coverage area to the continental United States.
Equally adept with small and large transactions, this family-oriented conglomerate features a combination of highly customized personal service and attention to detail, as well as an unrivaled business network.
Year Established
1976
Office Locations
11350 Random Hills Road #720, Fairfax, Virginia 22030Primary Capital Source
- Own Funds
Alternative Capital Sources
- Family Offices
Loan Structure for Majority of Loans
- Own Balance Sheet
Percentage of company’s lending business focused on private mortgage
100%
John Burns
Underwriter
John Burns is responsible for business development and underwriting for Adler Financial Group, specifically within the private lending division. Before joining Adler Financial Group, he worked with a number of international venture capital funds across a variety of industries and markets. John was a Jefferson Scholar and holds both his B.A. and Master’s degrees from the University of Virginia.
Daniel S. Adler
President
A 1988 graduate of The University of Virginia School of Engineering, Dan leads Adler Financial Group by facilitating new deals and by focusing on operations, finance and project management. As a Team Leader, he "turns concepts into cash flow," following through to the final distribution.
Leonard Adler
Founder and Chairman of the Board
Known for his great vision and leadership skills, he is a self-made millionaire and an experienced real estate entrepreneur. An accomplished Team Leader whose business portfolio is as diverse as it is large, Mr. Adler is known and respected by real estate leaders and professionals throughout the area as a "rain-maker" and creative financier.
David P. Mescall
Chief Financial Officer
A Magna Cum Laude Graduate of the Executive MBA program at Northeastern University, Mr. Mescall also holds a Master of Science in Taxation from Bentley College. Combining his background in Investment Banking and Public Accounting is critical to structuring, negotiating and monitoring the Firm's acquisitions and mezzanine loans and maximizing the Firm's resources.
Bob Gottschalk
General Counsel
Prior to joining the Adler Financial team, Bob was a partner with the law firm of Ain & Bank, P.C. in Washington, DC where he was recognized as an accomplished business law professional. Bob’s reputation for diligence, perseverance, and sound business judgment earned him the honor of being named as one of the DC Metro Area’s Outstanding Young Lawyers (Washington Post Magazine). Bob graduated from the University of Iowa College of Law in 1998 and is licensed to practice law in the District of Columbia, Maryland, Virginia and Illinois (inactive).
703-424-9390