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Hard Money Loans With No Appraisal in DC, Maryland and Virginia

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. RevitaLending is a direct lender in Washington, DC, Maryland and Virginia, funding fix & flip and bridge loans from $50,000 to $2M and new construction loans from $250,000 to $2M with our own private capital.

Submit your deal Call or text (202) 595-5472

Which loans

Which loans skip the appraisal

Fix & flip

No appraisal needed. Up to 100% of rehab, draws funded within 24 to 48 hours of inspection.

Fix & flip loans →

Bridge

No appraisal needed. Up to 80% of purchase, or 60–65% on a cash-out with a clear exit.

Bridge loans →

New construction

No appraisal needed. Up to 85% of cost and 75% of ARV, with draws funded within 24 to 48 hours of inspection.

New construction loans →

DSCR rental loans

Appraisal required. DSCR loans are long-term rental loans that qualify on the property’s rent.

DSCR rental loans →

How it works

From your deal to closing, without an appraisal

You send the deal. Property address, purchase price, budget and your exit
We set the value. We value the property ourselves, sometimes with a local real estate broker’s opinion
You get written terms. Rate, points, term and leverage within 24 hours
We inspect the property. Every fix & flip, bridge and new construction loan gets an inspection before closing
We close and fund. Clean files can close in as little as 3 business days

At a glance

Loan terms at a glance

We’re a direct lender, not a broker, and we fund every loan ourselves with our own private capital.

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
Loans from $50,000 to $2M on fix & flip and bridge loans, and from $250,000 to $2M on new construction loans
Fix & flip and bridge rates from 10.49% to 12.99%, subject to underwriting
Fix & flip and bridge 6–12 months, new construction 12–18 months, interest-only
Written approval within 24 hours; clean files close in as little as 3 business days
Fix & flip and new construction draws funded within 24 to 48 hours of inspection
No prepayment penalty on fix & flip, bridge and new construction loans, which carry a 3-month minimum interest
No minimum FICO on fix & flip, bridge and new construction loans

Business-purpose loans on non-owner-occupied investment property. Rates, terms and leverage are subject to underwriting and change. Not a commitment to lend.

Where we lend

No-appraisal loans by state

We lend throughout the Washington DC metro area: Washington DC, Maryland and Northern Virginia. Surrounding neighborhoods are considered case by case. For Virginia specifics, see Virginia hard money loans with no appraisal.

Washington, DC

All eight wards, from rowhouse renovations to tear-down rebuilds.

DC fix and flip loans →

Maryland

Prince George's, Montgomery, Charles, Anne Arundel and Baltimore counties. We do not lend in Baltimore City.

Maryland fix and flip loans →

Virginia

Northern Virginia and nearby localities, from Arlington to Frederick County. We do not lend in Richmond.

Virginia fix and flip loans →

Recently funded

A recent fix and flip we funded with no appraisal

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.

Shared with permission; details limited to protect borrower privacy. See all recently funded loans.

FAQ

No-Appraisal Loan Questions

Do you require 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.

Which loans don't need an appraisal?

Fix & flip, bridge and new construction loans. Our DSCR rental loans are different: they do require an appraisal.

Is an inspection still required?

Yes. Every fix & flip, bridge and new construction loan gets a property inspection before closing, in DC, Maryland and Virginia alike.

Who sets the value?

We do. Our team values the property, sometimes with a local real estate broker's opinion. For renovations and builds, the loan is sized on the purchase price or cost, the budget and the after-repair value (ARV).

What is a broker price opinion (BPO)?

It's a local real estate broker's estimate of what a property is worth, drawn from comparable sales. We sometimes use one as part of our own valuation.

Where do you lend without an appraisal?

In all eight wards of Washington, DC; in Prince George's, Montgomery, Charles, Anne Arundel and Baltimore counties in Maryland (not Baltimore City); and in Northern Virginia and nearby localities (not Richmond). We lend throughout the Washington DC metro area: Washington DC, Maryland and Northern Virginia. Surrounding neighborhoods are considered case by case.

Can I refinance with no appraisal?

Yes, with a bridge loan. Bridge loans cover purchases, refinances and cash-outs: up to 80% of purchase, or 60–65% on a cash-out with a clear exit, subject to underwriting.

What if I want to keep the property as a rental?

Many investors refinance the finished property into a DSCR rental loan. Keep in mind that DSCR loans do require an appraisal.

How quickly can I get terms?

Written approval comes within 24 hours, and clean files can close in as little as 3 business days.

More: Fix & flip loans · Bridge loans · New construction loans · Where we lend

Have a Deal in DC, Maryland or Virginia?

Send the address and your numbers. Written terms within 24 hours.

Apply Now Call or text (202) 595-5472