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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

yes

Existing 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

yes

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

no

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Seller Financing
  • Family

Rehab Value Add Loan

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

1

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

65.00%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

5

Construction Loan

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

65.00%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

3

Works 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

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Bank Statements

Personal Guaranty (Recourse) Required

Always

Credit Check Required

no

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Fees

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 22030

Primary 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%

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

$
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At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)

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If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

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(temp use, storage, billboard, parking, etc.)

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If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

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how will the loan be paid off?

acres

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