Direct Lender for Investors in MD, DC, and VA

Fix and Flip | New Construction | Bridge Loans | Acquisition Financing

  • Direct Lender – We Lend Using Our Own Money (not a broker)
  • Lending Based on ARV (After-Repair Value) – No Credit Checks
  • Super Fast Closing – After Title Work Completed
  • Loan Amounts $100K up to $1MM
  • Rates from 10.99%-14%
  • No Pre-Payment Penalties

Please note: We do not offer loans for owner-occupied homes.

Property Geographic Area Details
Maryland, Washington DC, Virginia
Loan Amounts
$100,000 to $1,000,000
Interest Rates
10.99% to 14%
Loan Terms
1 months to 12 months
Origination Fees
2% to 5%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Improve Subject Property
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Fix and Flip

Perfect for the real estate investor who wants to Buy, Rehab, and Sell. Our short term loan options provide fast access to capital to get your started and completed before you know it.

Key criteria:

  • Interest rates as low as 10.99%*

  • Loan term(s) up to 12 months

  • LTV must not exceed 70%

  • No pre-payment penalties

Acquisition | Bridge Loans

Acquisition loans designed with maximum flexibility for real estate investors.

Key Criteria:

  • Interest rates as low as 10.99%*

  • Loan term(s) up to 12 months

  • LTV must not exceed 70%

  • No pre-payment penalties

  • No minimum credit score

New Construction

Empty lot or tear down our New Construction loan program is customizable to the specific needs of your project.

Key criteria:

    • Up to 70% of actual cost

    • Must have plans and permits

    • Loan term(s) of up to 24 months

    • No pre-payment penalties

    • Non-owner occupied

Property Types

  • 2-4 Units Residential
  • Condominium
  • Industrial
  • Mobile Home Park
  • Multifamily
  • Single Family Residence
  • Storage Facility

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Max Loan-to-Purchase Price

85%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Gap Lender
  • Crowdfunding
  • Family

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

3

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

1

Maximum After Repair Value

70%
Must have plans and permits in hand. Maximum loan term is 24 months for construction loans but no pre-payment penalties.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

70%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes

Documents Fee

$1,000 (this a 3rd party fee, paid at funding directly to our attorney)

Other Fee

Application Fee: $100

Fees which are mandatory for all new borrower clients

  • Site Visit Fee
  • Renovation or Construction Funds Draw Fee
  • Other Fee

Fees which are paid to a third party company

  • Documents Fee

Details and Requirements

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

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
Documentation Required
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

no

Appraisal Required for Residential Property

Never

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Always

Property Flip Loan Testimonials

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Property Flip Loan is a private money lender based in Annapolis, Maryland.

Our focus is on building long term relationships with real estate investors by providing fast access to capital in the Maryland, DC, and Virginia

We lend using our own money, keeping the middleman out and your cost of capital down.

We pride ourselves on being able to close loans within days of receiving an application and are much easier to work with than traditional lending institutions.

Year Established

2019

Office Locations

2086 Generals Highway, Annapolis, MD 21401

Primary Capital Source
  • Own Funds
Alternative Capital Sources
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet

Our Team

Marc DeLeonibus

Founder

Contact Property Flip Loan

Property Flip Loan pays us to be listed, so there is no fee to connect with them directly.

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Contact This Lender

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443-684-7997 443-684-XXXX
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$100,000

What We Do

  • Investment Properties in MD, DC, and VA
  • Fix & Flip, Acquisition/Bridge, Construction
  • LTC: Up to 85% LTV: Up to 70%
  • Residential & Multi-Family Properties

Not Available

  • NO - Owner Occupied Homes
  • NO - 100% Financing
  • NO - 2nd Position Liens
  • NO - Rural Properties

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