RevitaLending Loan Programs


Types of Properties and Deals We Do

  • Residential Rehab (Non-Owner Occupied)
  • Commercial
  • Condo Conversions
  • New Construction
  • Vacant Land / Land Development
  • Unlimited Cash Out Re-fi's
  • Tax Loans for DC Vacant and Blighted Properties
  • Joint Venture Partnerships
  • "High End" Residential Properties (over $500,000)
  • Difficult Hard Money Scenarios

Loan Terms

Note: None of our loans have pre-payment penalties and we do not require income docs, tax returns, or bank statements. All credit types are considered (approvals are based on property). Click here to apply for a loan.

Residential Rehab Loans
RevitaLending will lend you the money for the acquisition and renovation of residential distressed properties. We also do cash out refinancing.


  • Up to 60% LTV based on ARV
  • No monthly mortgage payments in DC and Virginia
  • 6-month balloon note (longer terms case-by-case)
  • Repair money escrowed and released in draws
  • Non-owner occupied only

Commercial, Multi-Unit, Condo Conversions, and/or Other Income Producing Properties
RevitaLending is a great choice for the purchase or refinance of your commercial property.


  • Up to 60% LTV of ARV (After Repair Value)
  • 6-month , 12-month, or 18-month balloon notes (depending on scope of work)

New Construction Loans
RevitaLending will lend you the money for the acquisition of land and completion of small-to-large scale residential construction projects.


  • Up to 60% of finished value
  • 12-month balloon note
  • Single family home or large scale residential development
  • Construction money escrowed and released in accordance with renovation schedule and completion of work
  • We finance actual construction costs only (no “soft” costs)

Vacant Land
RevitaLending will lend you the money to acquire or refinance buildable lots and land.


  • Up to 50% LTV of appraised value
  • 6-month or 12-month balloon notes

Tax Loans for Class 3 and Class 4 (Vacant and Blighted Buildings in DC)
RevitaLending will lend you the money to acquire or refinance buildable lots and land.


  • Pay off tax liens to avoid foreclosure
  • We can finance repairs to get property off the DC “Vacant and Blighted” list
  • No monthly mortgage payments for duration of loan
  • In addition to providing financing, we can also help manage project (call for details)

We also offer a Joint Venture Partnership program. For more info, click here.

Other Loan Features

  • All our loans are equity-based
  • No pre-payment penalties
  • No minimum loan amount
  • No personal financial information is required (no income tax returns, no pay stubs, no proof of funds)
  • No employment verification
  • No minimum credit score requirement (all credit types considered)
  • Experience is not required for approval
  • 24-hour loan review process
  • Fast closings (usually within 10-14 days)
  • First trust / First lien position only
  • Repair money is held in escrow and reimbursed to borrower (in draws) as work is completed

Areas We Lend In

Our primary lending territory is the Washington DC Metropolitan area. We will fund real estate projects in:

  • Washington DC
  • Southern Maryland
  • Northern Virginia

Other areas we will consider on a case-by-case basis:

  • Ocean City, Maryland
  • Delaware (beachfront properties ONLY): Rehoboth Beach, Bethany Beach, Dewey Beach
  • North Carolina (beachfront properties ONLY): Corolla, Kitty Hawk, Nags Head, Cape Hatteras
  • South Florida (beachfront properties ONLY)

Loan Submission Checklist

To submit a loan for review, please fill out our loan submission form. Once you submit form, we require a very simple checklist of items to be sent to us. We can approve loans within 24 hours (the next business day).

For Residential Loans, we need:

  • Copy of ratified sales contract (or proof of ownership if re-fi)
  • Itemized list of repairs to be made to property
  • Interior and exterior photos of property

For Commercial, Multi-Unit, and Income Producing Properties, we need:

  • If buying: copy of ratified sales contract / If refinancing: proof of ownership
  • Itemized list of repairs to be made to property
  • Interior and exterior photos of property
  • Building financials and/or rent rolls

For New Construction Loans, we need:

  • Copy of sales contract (or) proof of land ownership
  • Itemized construction budget
  • Copy of approved plans (and renderings if available)

For Vacant Land, we need:

  • If buying: copy of ratified sales contract / If refinancing: proof of ownership
  • Survey
  • Proof of water and sewer (or perc approval)

APPLY FOR A LOAN