Direct asset-based lending from $50,000 to $2M on Washington DC, Maryland and Virginia real estate. Clean short-term files funded in as little as 3 business days. When the flip becomes a hold, our DSCR program can put you in a 30-year loan.
No appraisal needed on short-term loans. We value and inspect the property ourselves
What We Can Do For You
Hard money first, then a long-term loan if you need it. We can also partner with you.
Hard money is our core business: short-term capital priced on the property, so you can buy, fix and close on your timeline. When the project is done, DSCR can refinance you into a 30-year rental loan. When you have the deal but not the cash, or you inherited the property, a joint venture or probate loan covers the rest.
Hard Money
Fix & flip, bridge and new construction
$50K – $2MNew construction from $250K6 – 18 moInterest-only
Short-term DC, Maryland and Virginia loans underwritten on the asset and your exit, not your tax returns. This is where our 24-hour approval applies.
Fix & flip: generally up to 80–85% of purchase and 100% of rehab, up to 70% of ARV; draws funded within 24 to 48 hours of inspection
Bridge: up to 80% of purchase, 60–65% on a cash-out with a clear exit
New construction: up to 85% of cost and 75% of ARV, funded on draws; draws funded within 24 to 48 hours of inspection
Bring an off-market deal and we fund the purchase and renovation and split the profit at sale. Inherited a house? Our probate loans help heirs settle the estate without a discount sale.
JV: an equity partnership, not a loan, with no monthly payments
Probate: cash out equity, pay tax liens and the mortgage, fund repairs
Heirs who'd rather not borrow can partner with us instead
$50,000 – $2,000,000 for fix & flip and bridge. $250,000 – $2,000,000 for new construction. $50,000 – $3,000,000 for DSCR rental loans
Rates
Fix & flip and bridge loans, including commercial bridge, generally 10.49% – 12.99%, subject to underwriting. DSCR rental loans are priced separately
Terms
Fix & flip and bridge 6–12 months, new construction 12–18 months, interest-only. No prepayment penalty on fix & flip, bridge and new construction loans, which carry a 3-month minimum interest. DSCR has 30-year options
Where we lend
Washington DC, Maryland and Northern Virginia (for a list of specific cities and counties, click here)
Valuation
No appraisal needed on fix & flip, bridge and new construction loans. We value and inspect the property ourselves. DSCR rental loans do require an appraisal
Credit
No minimum FICO on fix & flip, bridge and new construction loans. All loans are subject to credit approval
Capital source
Direct lender, not a broker. We fund every loan ourselves, with our own private capital
Track record
Lending since 2007
Property
Business-purpose loans on non-owner-occupied investment property only
Rates, terms, leverage and programs are representative, subject to underwriting, and subject to change and to borrower qualification. This is not a commitment to lend.
Speed is the product in hard money. Here is exactly what happens, and when, from your first call to the wire.
1DAY 0
Send us the deal
Property address, purchase price, rehab budget and your exit. Two minutes on the form or one phone call. No application fee.
2DAY 1
Approval in hand
We review the property and the plan and send written terms with rate, points, term and leverage, typically within 24 hours.
3DAY 2
Valuation and docs
No appraisal needed on fix & flip, bridge and new construction loans. We value and inspect the property ourselves. Title and insurance run at the same time, with one document list.
4DAY 3+
Fund and record
Docs to settlement, signing, wire. Clean fix & flip, bridge and new construction files have closed in as little as three business days; DSCR rental loans close in as little as 14 to 21 days and commercial bridge in 5–10 days.
The owner held the property free and clear, and it was sitting vacant after the tenants moved out. We lent on the property’s value and closed the cash-out refinance in 7 days.
Fix & Flip
Prince George’s County, Maryland
$280,000
Funded in
2 weeks
Loan type
Fix-and-flip purchase
Appraisal
None
Income documents
None
The property needed major upgrades. We funded the purchase in two weeks with no appraisal and no income documents. The rehabber renovated the property and sold it at a profit.
Probate
Inherited property
$385,000
Paid off
Reverse mortgage
Also funded
Repairs
Exit
Refinanced into a DSCR loan
A brother and sister inherited a property that still carried a reverse mortgage. As the estate's personal representatives, they used our $385,000 loan to pay off the reverse mortgage and fund repairs, then refinanced into a DSCR loan.
Shared with permission; details limited to protect borrower privacy.
Six reasons, each with something measurable behind it
24 hrs
Approval speed as a policy
Files are reviewed the day they arrive. You typically get an answer in writing within 24 hours, including a straight no when the deal doesn't work.
2007
Through every market cycle
Hundreds of funded projects since 2007, through booms, corrections and rate spikes, so we can tell you quickly whether your numbers hold up.
DMV
Block-by-block local knowledge
We lend only in DC, Maryland and Virginia. We know how values, permits and timelines change from Petworth to Prince George's to Fairfax.
$0
No appraisal bill on short-term loans
You don't need an appraisal on fix & flip, bridge or new construction loans, so there's no appraisal bill to pay. We set the value ourselves, sometimes with a local real estate broker's opinion, and we inspect every property before closing.
No min
No minimum FICO on short-term loans
On fix & flip, bridge and new construction loans, we underwrite the property, the margin and the exit. A bruised credit report doesn't automatically end a strong deal.
3 exits
One lender for every exit
Hard money to buy and fix, DSCR to hold, or a joint venture when you'd rather partner. The takeout is planned before the bridge funds.
Questions Before You Call
Frequently asked questions
What borrowers ask us most, answered without a sales detour. Program-specific questions live on each program page.
How fast can you fund a hard money loan in DC, MD or VA?
We issue written approvals on business-purpose loans within 24 hours, and clean residential fix & flip, bridge and new construction files can close in as little as three business days, subject to underwriting; DSCR rental loans in as little as 14 to 21 days, and commercial bridge loans in 5–10 days.
What are your rates, points and terms?
Fix & flip and bridge loans, including commercial bridge, generally run from 10.49% to 12.99%, with origination points quoted per deal. These rates do not apply to DSCR rental loans, which are priced separately. Your actual pricing depends on leverage, property type, exit strategy and experience. All pricing is subject to underwriting.
How much can I borrow?
Fix & flip and bridge loans run from $50,000 to $2 million, with larger loans considered case by case. New construction loans run from $250,000 to $2 million. On fix & flip loans we go up to 70% of after-repair value, and up to 100% of your purchase and rehab cost when purchase plus rehab is 65% of ARV or less (loan over $500,000, experienced borrower). DSCR rental loans go up to $3 million: 80% on a purchase, 75% rate-and-term and 70% cash-out. All amounts and leverage are subject to underwriting.
Is there a minimum credit score? Do you check income?
There is no minimum FICO on fix & flip, bridge and new construction loans. These are asset-based loans, so the property and the exit carry the file, not tax returns or a debt-to-income ratio. We still review credit, and all loans are subject to credit approval, but a weak score doesn't automatically disqualify a strong deal.
Do I need an appraisal?
You don't need an appraisal on fix & flip, bridge or new construction loans. We set the value ourselves, sometimes with a local real estate broker's opinion, and we inspect every property before closing. DSCR rental loans do require an appraisal.
Where do you lend?
Washington DC; Prince George's, Montgomery, Charles, Anne Arundel and Baltimore counties in Maryland; and the City of Alexandria, Arlington County, the City of Fairfax, Fairfax County, the City of Falls Church, Fauquier County, Frederick County, the City of Fredericksburg, Loudoun County, the City of Manassas, the City of Manassas Park, Prince William County and Stafford County in Virginia. We do not lend in Baltimore City or Richmond. We lend throughout the Washington DC metro area: Washington DC, Maryland and Northern Virginia. Surrounding neighborhoods are considered case by case. For joint ventures, we prefer properties inside the Capital Beltway and consider deals elsewhere in DC, Maryland and Virginia case by case.
Is RevitaLending a broker or a lender?
We're a direct lender, not a broker. RevitaLending originates every loan and funds it in-house with our own private capital, with no banks or institutional money involved. Lending since 2007.
Do you lend in Delaware, New Jersey or Pennsylvania?
No. We lend in Washington DC, Maryland and Virginia only: all of DC, the Maryland counties and the Virginia counties and cities listed above (not Baltimore City or Richmond). We do not lend in Delaware, New Jersey or Pennsylvania. See where we lend.
Can I get a loan after a bankruptcy or foreclosure?
Yes. A past bankruptcy or foreclosure doesn't rule you out, and we can sometimes lend while a bankruptcy or foreclosure is still open, depending on the situation. We look at the deal, the exit and your experience. Loans are for investment property only, meaning rentals or flips, never owner-occupied homes. Every loan is subject to underwriting.
Still have a question? Call (202) 595-5472 and talk to a real person, not a call center.
About RevitaLending
A DC, Maryland and Virginia lender, and nowhere else
RevitaLending is an asset-based private lender for real estate investors in Washington DC, Maryland and Virginia. Lending only here lets us underwrite block by block: how values shift from Petworth to Prince George's County, how permit timelines differ across Northern Virginia, and what a realistic exit looks like on a given street.
Your deal has a closing date. Let us tell you today whether we can hit it.
Send the address and the number you need. You get written terms with rate, points, term and leverage, or a straight no with the reason. Either way, you know the same day.
