Direct Hard Money Lender for Real Estate Investors

Pimlico Capital is a direct lender, not a broker, for real estate investors in the Mid-Atlantic and New York metro area. We offer several different short-term loan products: Fix & Flip, Rentals, Bridge Loans, and Commercial Real Estate.

  • No formal appraisals for short-term loans
    We do in-house valuations and drive to all subject properties
  • Short-Term Loans offered in the DMV Region plus Philadelphia, New Jersey and New York City
  • Long-Term Rental Loans offered Nationwide
Property Geographic Area Details
We lend in 6 states: DC, MD, NJ, NY, PA, VA
Loan Amounts
$55,000 to $6,000,000
Interest Rates
7.95% to 10.95%
Loan Terms
2 months to 360 months
Origination Fees
1.5% to 3%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%


When it comes to flipping properties, the traditional route can be difficult and slow. With Pimlico, the experience is different. We believe in simple and straight forward loans, such as our Fix & Flip loan, which gives you an “all in one” program to help you acquire, rehab and quickly sell a property.

With our Fix & Flip loans, you’ll not only receive acquisition funds, you’ll also have access to construction funds for the approved construction budget. We understand your need to finish the project and get the property back on the market quickly. With our streamlined online draw request process, you’ll receive the funds for your draws quickly.

Loan Requirements

  • For Individuals and Business Entities
  • Maximum LTV 70% (Finished Value)
  • Minimum Down Payment 10%
  • Personal Guaranty

Standard Loan Terms

  • Interest Rates Starting at 7.95%
  • $0 Processing Fee
  • $0 Underwriting Fee
  • 6 to 18 Months Loan Terms


If you need long term funding for your residential rental properties, we have you covered. Our online application can be filled out in a couple of minutes and we will immediately provide you with several different rate options for your refi. Rates start as low as 5.125% and we can offer up to 80% LTV of the appraised value. From start to finish, most of our loans close in about 3 weeks. See why Pimlico Refinance is the number 1 choice for real estate investors.

  • Single Family Home to Quadplex
  • Up to 80% LTV of appraised value
  • Get up to four different rate options

Property Types

  • 2-4 Units Residential
  • Auto Dealership
  • Auto Repair
  • Car Wash
  • Commercial Land
  • Condominium
  • Gas Station
  • Healthcare
  • Hotel
  • Industrial
  • Mixed-Use
  • Mobile Home Park
  • Motel
  • Multifamily
  • Office
  • Parking Lot
  • Portfolio of Residential Properties
  • RV Park
  • Residential Land
  • Retail
  • Single Family Residence
  • Storage Facility

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Long-Term Rental

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land
  • Hospitality Land
  • Covered Land

Will Consider Land That is NOT Entitled


Max LTV for Land


Max LTC for Land Acquisition

Most of our clients contribute 10% cash to the purchase, but we may require more cash down from borrowers with no experience, or borrowers that have poor credit.

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

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

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Typical Number of Days for Funds Draw


Maximum After Repair Value

680+ credit score required for long-term rental loans

Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

360 months

Maximum Loan Term

360 months

Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Properties


Minimum Number of Properties


Maximum Number of Properties


Minimum Property Value


Fees which are mandatory for all new borrower clients

  • Legal Fee
  • Renovation or Construction Funds Draw Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Pre Payment Penalty


No prepayment penalty for short-term loans. 30-year rental loans will have a step-down pre-pay penalty if paid off in less than 3 years.
Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
Documentation Required
  • Credit Report
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Credit Check Description

For short-term loans we are very flexible when it comes to credit scores. For long-term rental loans, the minimum score is 680.

Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property


Additional Details

Borrowers typically only pay a legal fee prior to closing. Some other small fees may be charged on certain deals. For rehab projects, we charge a fee per draw.

Pimlico Capital Testimonials

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Pimlico Capital is a hard money lender based in Baltimore, Maryland. We are a direct lender (not a broker) and leading provider of hard money financing in all 50 states.

Our team has real estate investor experience and knows what it takes to be successful in today’s competitive market. We work hard to build long lasting relationships by earning our clients’ trust, which is achieved through our transparent and straightforward lending process.

While there is no shortage of capital options for today’s real estate investor, if you want reliability, professionalism, and ultimately a superior lending experience, please contact us. We look forward to introducing you to the next level in real estate investment lending. Our pre-approved process is easy and painless.

Company Size (Number of Employees)


Year Established


Office Locations

600 Reisterstown Road, Suite 602, Baltimore, MD 21208

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Victor Lipnitsky

Managing Director

Aron Yehuda

Director of Real Estate Finance

Yossi Lurman

Director of Operations

Zack Teichman

VP of Business Development

Yair Rosendorff

VP of Business Development

Abby Weinstock

Senior VP of Operations

Get In Touch

Pimlico Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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Our Minimum Loan Amount Is


What We Do

  • Residential Investment Properties
  • Bridge, Rehab, Flip, Long-Term Rental
  • Flip LTP up to 90% + 100% Rehab Costs
  • 10% Cash Required for Purchase
  • LTV up to 70% for Short-Term Loans

Not Available

  • NO Owner-Occupied Homes
  • NO 100% Financing or Gap Loans
  • NO Land Loans
  • NO Ground-Up Construction
  • NO Rural Areas

Send an email to Pimlico Capital