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About RevitaLending

Direct capital, common-sense underwriting. Lending since 2007. We're a direct private lender funding real estate deals in Washington DC, Maryland and Virginia only — for investors, heirs, and property owners who need quick answers, flexible terms, and a lender who works around the deal in front of them.

(202) 595-5472

Photo: Ser Amantio di Nicolao, CC BY 3.0, cropped

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Funding Deals Since 2007

Built to Get Deals Done

RevitaLending is a direct, asset-based private lender based in Washington, DC, working with investors and brokers in DC, Maryland and Virginia. Hard money, bridge and fix & flip loans generally run up to $2,000,000, and DSCR rental loans up to $3,000,000. We have been lending since 2007, with hundreds of funded projects across DC, Maryland and Virginia.

We work directly with brokers and borrowers to find the right lending product for the deal in front of us — not the deal that fits a rigid checklist. That means quick responses, common-sense underwriting, and terms structured around real-world outcomes for everyone involved.

Direct Origination · In-House Private Capital

We’re a direct lender: RevitaLending originates every loan and funds it in-house with our own private capital, with no banks or institutional money involved. That structure gives us full discretion on bridge transactions up to $2,000,000 and DSCR loans up to $3,000,000, with every underwriting decision made in-house — no outside investment committee, no correspondent lender, and no loan sale down the line.

Direct Capital

Common-Sense Underwriting

Broker-Friendly

Leadership & Execution

Direct Capital. Local Decisions.

No committee, no correspondent lender, no loan sale down the line — RevitaLending funds and services what it originates.

Direct, In-House Funding

Every loan is funded in-house with our own private capital, with no bank, institutional money or correspondent relationship behind it, so we can move on the deal in front of us instead of a credit box someone else set.

In-House Decision Making

The person underwriting your deal is the person who can approve it. No investment committee, no out-of-state credit desk waiting on a file to clear a queue.

Direct Private Lending Since 2007

We've underwritten DC, Maryland and Virginia properties through multiple market cycles — we know the neighborhoods, the permitting timelines, and what a deal is actually worth here.

At a Glance

RevitaLending at a glance

Loan programs: Fix & flip, new construction, bridge loans (residential, commercial and mixed-use), DSCR rental loans and probate loans, plus joint ventures (an equity partnership, not a loan)
Loan amounts: $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 (as of 10/26): Fix & flip and bridge loans, including commercial bridge, generally 10.49% – 12.99%, subject to underwriting. DSCR rental loans are priced separately
Leverage: Fix & flip: up to 80–85% of purchase and 100% of rehab, with the total loan up to 70% of after-repair value (ARV). Bridge: up to 80% of purchase, 60–65% on a cash-out. New construction: up to 85% of cost and 75% of ARV, whichever is lower. DSCR: 80% purchase, 75% rate-and-term, 70% cash-out. All subject to underwriting
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
Draws: Fix & flip and new construction: draws funded within 24 to 48 hours of inspection
Where we 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. See every area we serve. For joint ventures, we prefer properties inside the Capital Beltway and consider deals elsewhere in DC, Maryland and Virginia case by case
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
Phone: Call or text (202) 595-5472

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.

FAQ

Lender or broker?

Is RevitaLending a broker or a lender?

RevitaLending is a direct lender, not a broker. We fund every loan ourselves, with our own private capital, including fix and flip, bridge, new construction, DSCR and commercial loans. We don’t send your loan to outside lenders, and every loan is subject to underwriting.

Who decides on my loan?

We do. Every loan is underwritten and decided in-house, and the person underwriting your deal is the person who can approve it. There is no outside lender, investment committee or out-of-state credit desk in the process. All approvals are subject to underwriting.

Looking for a private money lender? See private money loans in DC, Maryland and Virginia.

Let's Talk About Your Deal

Reach out directly — no call center, no runaround.

Submit Your Deal Call Direct: (202) 595-5472