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NPA Equity Investments, LLC is engaged in the business of providing private funding to real estate investors. Headquartered in Lorton, Virginia, we offer our services to investors located in the Washington DC metro area. We provide loans for projects traditional banks will not approve. Our goal is to make the lending process as easy as possible through clear, prompt communication and instructions. We are able to expedite approval when necessary.
Our primary consideration is real estate collateral. We are willing to consider asset based loans as well. All of our loans are funded and evaluated in house. We are able to close within 3 days when necessary. Generally, it will take us approximately one week to close, contingent upon the responsiveness of the borrower and the adequacy of the information provided.
Property Geographic Area Details
DC, Virginia, Maryland (including Baltimore)
Loan Amounts
$50,000 to $2,000,000
Interest Rates
7% to 14%
Max Loan-To-Value
65.00%
Max Loan-To-Cost
65.00%
Origination Fees
3% to 5%
Loan Terms
1 months to 36 months
Lien Position
- 1st
- 2nd
Loan Purpose
- Investment Acquisition
- Investment Refinance
- Improve Subject Property
- Use Equity to Invest in Another Property
- Value Add Project
- Development Project
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
- Commercial Land
- Condominium
- Residential Land
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Commercial Bridge
- Residential Bridge
- Commercial Property Value Add
- Residential Fix and Flip
- Residential Rehab and Rent
- Commercial Ground-Up Construction
- Residential Ground-Up Construction
- Mezzanine
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Land Development
Junior Liens
Junior Lien Loan Amounts
$50,000 to $1,000,000
Junior Lien Interest Rates
12% to 14%
Junior Lien Loan-to-Value
65.00%
Junior Lien Loan-to-Cost
65.00%
Junior Lien Origination Fees
4.00% to 5.00%
We Fund Junior Position Loans
Rarely
Junior Lien Types
- Refinance
- Equity Cash Out
- Mezzanine
Land Loan
Land Types Considered
- Residential Land
- Multifamily Land
- Industrial Land
- Office Land
- Retail Land
- Hospitality Land
Will Consider Land That is NOT Entitled
yesExisting Land Improvements Required
- Street Access
- Electricity
- Gas
- Water
Max LTV for Land
50.00%Max LTC for Land Acquisition
50.00%Purchase Loan
Max Loan-To-Purchase Price
65.00%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed 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
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
65.00%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
1Max LTC for Ground-Up Construction Costs
65.00%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesDetails and Requirements
Typical Closing Time (Days)
7Fastest Closing Time (Days)
3Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
Pre Payment Penalty
no
Will lend to a foreign national
no
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage
noWill Consider Collateralizing Multiple Properties in One Loan
noWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- Individual(s)
- LLC
- Limited Partnership
- Trust
- Corporation
Documentation Required
- Bank Statements
Personal Guaranty (Recourse) Required
AlwaysCredit Check Required
noAppraisal 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
NPA Equity investments is a private lender offering loans to real estate investors. Our loans are based on property value as opposed to creditworthiness of the borrower. We provide straightforward quick service and can close loans within the week.
Year Established
2017
Office Locations
11350 Random Hills Road, Suite 800, Fairfax, Virginia 22030Primary Capital Source
- Own Funds
Loan Structure for Majority of Loans
- Own Balance Sheet
- One Investor One Loan
- Multiple Investor Fractionalized Note
- LLC Syndicated Investors
- Multiple Lender Participation
- A/B Note Participation with Bank
- A/B Note Participation with Private Investor
Alternative Loan Structures
- Own Balance Sheet
- One Investor One Loan
- Multiple Investor Fractionalized Note
- LLC Syndicated Investors
- Multiple Lender Participation
- A/B Note Participation with Bank
- A/B Note Participation with Private Investor
Percentage of company’s lending business focused on private mortgage
100%
Company’s Other Business Activities Besides Private Mortgage Lending
- Commercial Real Estate Investing
Percentage of Loans Secured by Commercial Property
75%
Percentage of Loans Secured by Residential Property
25%
Percentage of Residential Property Loans Which are Fix and Flip
15%
Percentage of Residential Property Loans Which are Buy and Hold
50%
Percentage of Loans Secured by a Business (not real estate)
5%