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%
Loan Terms
1 months to 36 months
Origination Fees
3% to 5%
Lien Position
1st, 2nd
Collateral Types
  • Residential Property
  • Commercial Property
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

  • 2-4 Units Residential
  • Commercial Land
  • Condominium
  • Residential Land
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Commercial Bridge
  • Commercial Property Value Add
  • Commercial Ground-Up Construction

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Land Development

Junior Lien Loan Amounts

$50,000 to $1,000,000

Junior Lien Interest Rates

12% to 14%

Junior Lien Loan-to-Value

65%

Junior Lien Loan-to-Cost

65%

Junior Lien Origination Fees

4% to 5%

We Fund Junior Position Loans

Rarely

Junior Lien Types

  • Refinance
  • Equity Cash Out
  • Mezzanine

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%

Max LTC for Land Acquisition

50%

Junior Lien Types

  • Refinance
  • Equity Cash Out
  • Mezzanine

Max Loan-to-Purchase Price

65%

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

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%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

5

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

65%

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

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

Contact NPA Equity Investments, LLC

NPA Equity Investments, LLC pays us to be listed, so there is no fee to connect with them directly.

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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
Percentage of Loans Secured by Commercial Property

75%

Percentage of Loans Secured by Residential Property

25%

Our Team

Anthony Cooch

Vice President

Contact NPA Equity Investments, LLC

NPA Equity Investments, LLC pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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Our Minimum Loan Amount Is

$50,000

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