Washington DC Hard Money Lenders

Need a hard money loan secured by real estate in Washington DC? This page has a list of direct hard money lenders that offer quick funding for a Washington DC property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.
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Rehab Financial Group

100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT! NO INCOME VERIFICATION!

$100,000 - $1,250,000
9 to 12 months
11.25% - 12.75%
2.00% - 3.00%
Certain Lending

The Mortgage Company Built for Real Estate Investors

$100,000 - $4,000,000
6 to 360 months
6.25% - 11.75%
0 - 3.00%
Dunmor

Do More With Dunmor

$100,000 - $15,000,000
6 to 24 months
6.75% - 12.00%
1.00% - 2.00%
Yieldi

Direct, Reliable Lender for Investment Properties

$500,000 - $25,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
Unitas Funding LLC

Direct Lending for Residential Property Investors - Bridge, Rehab, Construction

$100,000 - $3,500,000
6 to 24 months
7.99% - 12.00%
1.00% - 3.00%
Clear Sky Financial

True Asset-Based Lender for Property Investors in DC, MD, VA

$100,000 - $1,500,000
6 to 12 months
12.00% - 15.00%
3.00% - 5.00%
Residential Capital Partners

100% Financing for Residential Rehab Projects (NO Money Down)

$75,000 - $1,250,000
1 to 9 months
10.00% - 11.90%
2.00% - 3.00%
RBI Private Lending

Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.

$75,000 - $5,000,000
3 to 24 months
9.00% - 12.00%
1.00% - 2.00%
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 2.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
9.50% - 12.00%
1.00% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
6.25% - 12.10%
0.25% - 2.50%
LendingOne

Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide

$70,000 - $50,000,000
9 to 360 months
0.75% - 1.99%
Kiavi

Servicing 18,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
6.62% - 12.45%
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$50,000 - $3,000,000
12 to 60 months
11.00% - 14.00%
1.00% - 3.00%

Washington DC Hard Money Interest Rates

lightning docs logo

According to the hard money loan documents software company, Lightning Docs, the average interest rate for Washington DC hard money loans in the 2nd quarter of 2025 was 10.76%. The average loan amount was $930,355. These stats are the average of 12 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in Washington DC between April 1, 2025 and June 30, 2025 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for Washington DC hard money loans in the 2nd quarter of 2025 was 11.64%. Lenders charged an average of 2.3% points (origination fee). The average LTV (loan-to-value) for hard money loans in Washington DC was 62%, and the average loan amount was $1,140,000. These stats are the average of all the loans which were funded between April 1, 2025 and June 30, 2025 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Top 10 Washington DC Hard Money Lenders

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According to Forecasaâ„¢, here are the Top 10 Hard Money Lenders ranked by the number of loans* originated in Washington DC from January 2025 to March 2025.

  1. Washington Capital Partners funded 23 loans
  2. Kiavi funded 14 loans
  3. LendingOne funded 9 loans
  4. Velocity Commercial Capital funded 8 loans
  5. Congressional Capital LLC funded 7 loans
  6. Spring Garden Lending Group LLC funded 5 loans
  7. Anchor Loans funded 4 loans
  8. Clear Sky Financial LLC funded 4 loans
  9. ROC Capital funded 4 loans
  10. Visio Lending funded 4 loans

* The number of loans funded are approximate and includes long-term rental loans.

Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..

Washington DC Hard Money Loan Volume

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According to SFR Analytics, here is the approximate quarterly volume of loans secured by investment real estate in Washington D.C. which were funded by hard money lenders from January 2024 to December 2024.

  • Approximately $46,142,124 of private money loans were funded in the 4th quarter of 2024 for 45 borrowers.
  • Approximately $54,442,595 of private money loans were funded in the 3rd quarter of 2024 for 49 borrowers.
  • Approximately $33,118,257 of private money loans were funded in the 2nd quarter of 2024 for 54 borrowers.
  • Approximately $34,763,020 of private money loans were funded in the 1st quarter of 2024 for 55 borrowers.

Below are the approximate hard money loan volume amounts for the entire DMV metropolitan area, which includes Northern Virginia and Southern Maryland:

DMV Region

  • 2024 Q4: $261,119,112 for 297 borrowers
  • 2024 Q3: $296,011,840 for 320 borrowers
  • 2024 Q2: $175,893,852 for 300 borrowers
  • 2024 Q1: $184,246,320 for 347 borrowers

 

SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..

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