Direct private lender · Washington DC · Maryland · Virginia
RevitaLending - Hard Money and Probate Lender in DC, MD, VA
(202) 595-5472 APPLY NOW
Pennsylvania Avenue NW in downtown Washington, DC
Home/Private Money Lender

Private Money Lender for Real Estate Investors in DC, Maryland and Virginia

RevitaLending is a direct private money lender for real estate investors in Washington DC, Maryland and Virginia. We are a lender, not a broker: we fund every loan ourselves with our own private capital, from $50,000 to $2M for fix and flip and bridge loans, $250,000 to $2M for new construction loans and up to $3M for DSCR rental loans. Business-purpose loans on non-owner-occupied investment property only. Call or text (202) 595-5472.

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

A direct lender, not a broker

When you ask a private money lender whether they lend directly or broker the deal, our answer is simple: we lend directly. Every loan is funded in-house with our own private capital, with no bank, institutional money or correspondent relationship behind it. We don’t send loans to outside lenders, and the same people who approve your loan fund it. We have been lending since 2007.

Loan programs

Private money loans from $50,000

Loans generally start at $50,000, so smaller deals are welcome. Interest-only on short-term loans.

Fix & flip

$50K–$2M · 10.49–12.99% · 6–12 months
Generally up to 80–85% of purchase and 100% of rehab, up to 70% of ARV.

Fix & flip loans →

Bridge, including commercial

$50K–$2M · 10.49–12.99% · 6–12 months
Up to 80% of purchase, 60–65% on a cash-out. Residential, small multifamily, mixed-use, retail, office and self-storage.

Bridge loans →

New construction

$250K–$2M · 12–18 months
Up to 85% of cost and 75% of ARV, funded on draws.

New construction loans →

DSCR rental loans

$50K–$3M · 30-year options
Up to 80% of purchase, 75% rate-and-term and 70% cash-out. Qualify on the rent.

DSCR rental loans →

Probate loans

$50K–$2M
Bridge financing for heirs and executors to pay off liens and reverse mortgages and fund repairs.

Probate loans →

Joint venture

Equity, not a loan
100% joint-venture funding for off-market deals, inside the Capital Beltway preferred.

JV program →
No red tape

What you won’t need

  • No appraisal needed. We value and inspect the property ourselves (fix & flip, bridge and new construction)
  • No minimum FICO on fix & flip, bridge and new construction loans
  • No tax returns and no debt-to-income ratio on fix & flip, bridge and new construction loans

DSCR rental loans are the exception: they do require an appraisal. All loans are subject to underwriting.

Speed

How fast our private money moves

  • Written approval within 24 hours
  • Fix & flip, bridge and new construction: clean files close in as little as 3 business days. DSCR: 14 to 21 days. Commercial bridge: 5–10 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
Where we lend

Where we make private money loans

We lend throughout the Washington DC metro area: Washington DC, Maryland and Northern Virginia. Surrounding neighborhoods are considered case by case. See all the areas we serve and loans with no appraisal.

Washington, DC

Every ward of the District.

DC fix and flip loans →

Maryland

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

Maryland fix and flip loans →

Virginia

City of Alexandria, Arlington County, City of Fairfax, Fairfax County, City of Falls Church, Fauquier County, Frederick County, City of Fredericksburg, Loudoun County, City of Manassas, City of Manassas Park, Prince William County and Stafford County. We do not lend in Richmond.

Virginia fix and flip loans →
Plain English

Private money vs. hard money vs. a bank loan

At RevitaLending, private money and hard money mean the same thing: business-purpose loans funded with our own private capital and underwritten on the property and your exit, not your tax returns. A bank or conventional mortgage is a different product, built around the borrower’s income and credit. For the basics, read what a hard money loan is.

Recently funded

Loans we recently funded

Three recent files, shared with the borrowers’ permission: a $125,000 cash-out refinance in Hyattsville, Maryland, closed in 7 days; a fix & flip purchase in Prince George’s County, Maryland, funded in 2 weeks with no appraisal and no income documents; and a $385,000 probate loan that paid off a reverse mortgage for two heirs serving as the estate's personal representatives, who then refinanced into a DSCR loan. See the recently funded loans.

FAQ

Private Money Loan Questions

Are you a private money lender or a broker?
We are a direct private money lender, not a broker. We fund every loan ourselves with our own private capital, and we do not send loans to outside lenders.
What's the smallest private money loan you make?
$50,000. Fix & flip, bridge and DSCR rental loans start at $50,000; new construction loans start at $250,000.
How much can I borrow?
From $50,000 to $2M on fix & flip and bridge loans, from $250,000 to $2M on new construction loans, and up to $3M on DSCR rental loans, subject to underwriting. Larger fix & flip, bridge and new construction loans are considered case by case.
What are your private money loan rates?
Fix & flip and bridge loans, including commercial bridge, generally run from 10.49% to 12.99%, subject to underwriting, with points quoted per deal. DSCR rental loans are priced separately.
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.
Is there a minimum credit score?
There is no minimum FICO on fix & flip, bridge and new construction loans. DSCR rental loans call for 640+ on most programs. We still review credit, and all loans are subject to approval.
How fast can you close?
Written approval comes within 24 hours. Clean residential fix & flip, bridge and new construction files can close in as little as 3 business days, DSCR rental loans in as little as 14 to 21 days, and commercial bridge loans in 5–10 days.
Where in DC, Maryland and Virginia do you lend?
In all of Washington, DC; in Prince George's, Montgomery, Charles, Anne Arundel and Baltimore counties in Maryland (not Baltimore City); and in 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 (not Richmond). We lend throughout the Washington DC metro area: Washington DC, Maryland and Northern Virginia. Surrounding neighborhoods are considered case by case.
Do you lend on owner-occupied homes?
No. We make business-purpose loans on non-owner-occupied investment property only.
Is there a prepayment penalty?
There's no prepayment penalty on fix & flip, bridge and new construction loans. They carry a 3-month minimum interest.

More: Fix & flip · Bridge · New construction · DSCR · Apply

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
Call Apply Now