Hard Money Lender in Alexandria, Virginia
Fix & flip, bridge, new construction, DSCR and probate financing for investors in the City of Alexandria, from Old Town rowhouses and Del Ray bungalows to Rosemont, Seminary Hill and the West End. Loans from $50,000, written approval within 24 hours, subject to underwriting.
Alexandria Loan Programs for Investors
- Fix & Flip$50K–$2M · 10.49–12.99% · Del Ray and Rosemont bungalows, post-war brick homes and Old Town townhouses
- New Construction$50K–$2M · draws on a schedule set at closing · Tear-downs and infill on single-family lots
- Bridge Loans$50K–$2M · up to 80% of purchase · Fast closings on estate sales and off-market townhouses
- DSCR Rental Loans$50K–$3M · qualify on the rent · Long-term holds near Metro and the Route 1 corridor
Alexandria is a small, built-out city with Metro service at King Street–Old Town, Braddock Road, Eisenhower Avenue, Van Dorn Street and Potomac Yard, so most investor activity is renovation and rebuilds rather than raw land. Values can change sharply from one block to the next, especially around the historic districts, so we size loans on nearby finished sales and the actual scope of work.
Investing in the City of Alexandria: what to know
An independent city, not Fairfax County
Alexandria is an independent city with its own permit offices, courts and tax assessments. Many homes with an “Alexandria, VA” mailing address, in areas like Huntington, Hybla Valley, Rose Hill and Kingstowne, are actually in Fairfax County. We confirm the jurisdiction on every address, because it changes who issues the permits and how long they take.
Fairfax County guide →Historic districts and the BAR
Exterior changes visible from a public way in the Old and Historic Alexandria District and the Parker-Gray District need a certificate of appropriateness from the Board of Architectural Review before building permits are issued. Windows, doors, siding, roofing and additions are the usual items. We build that review into the renovation schedule instead of discovering it after closing.
Fix & Flip →Permits through Code Administration
Building permits run through the city's Department of Code Administration, and zoning questions go to the Department of Planning and Zoning. Bring permit status and drawings to the first call on a rebuild or addition, and we will size the loan and the draw schedule around them.
New Construction →Rental inspections and the JV program
The Department of Code Administration runs a Residential Rental Inspection Program for rental units in designated inspection districts; a passing inspection earns a certificate of compliance. Much of the city sits inside the Capital Beltway, so off-market Alexandria deals can also be considered for our 100% joint venture program.
JV Program →What we look at on an Alexandria file
- Jurisdiction and district. City or Fairfax County, and whether the parcel sits in a historic district, which affects exterior scope and timing.
- Flood exposure near the waterfront. Parts of Old Town along the Potomac are in the floodplain, so we check flood zone and insurance cost before sizing a renovation.
- Housing stock. Early 1900s bungalows and foursquares in Del Ray and Rosemont, post-war brick colonials in Beverley Hills and Seminary Hill, garden apartments in Arlandria and townhomes toward the West End and Potomac Yard each have different rehab budgets and resale buyers.
- Rental exit. If the plan is to hold, we check whether the unit falls in a rental inspection district and underwrite the DSCR refinance on a realistic rent, not a hoped-for one.
- Inherited homes. Long-held family homes are common here. Estates for Alexandria residents are typically handled by the Clerk of the Alexandria Circuit Court, and our probate loans can pay off liens or fund repairs once someone has authority to sign.
Communities we finance in the City of Alexandria
Old Town, Del Ray, Rosemont, Parker-Gray, Braddock, Potomac Yard, Arlandria, Beverley Hills, Seminary Hill, Taylor Run, Clover-College Park, Cameron Station, Eisenhower East, Landmark and the West End. If your property has an Alexandria mailing address but sits in Fairfax County, we lend there too.
Alexandria loan terms
We’re a direct lender funding every loan in-house with our own private capital, so the team that approves your loan is the team that funds it.
- Loans from $50,000; fix & flip, bridge and new construction up to $2M
- DSCR rental loans up to $3M, priced separately from hard money
- Fix & flip and bridge rates from 10.49% to 12.99%, subject to underwriting
- Up to 100% of purchase and rehab when purchase plus rehab is 65% of ARV or less (loan over $500,000, experienced borrower)
- In-house valuation or broker price opinion (BPO), no full appraisal
- No minimum FICO, no tax returns, no debt-to-income ratio
- Written approval within 24 hours; clean files close in as little as 3 business days
Business-purpose loans on non-owner-occupied investment property. Rates, terms and leverage are subject to underwriting and change. Not a commitment to lend. Local rules summarized here are general information, not legal advice; confirm with the jurisdiction. Inherited property? Read our probate and heir property guide.
Alexandria Hard Money Questions
Do you lend in the City of Alexandria and in Fairfax County addresses marked Alexandria?
Yes. We lend on non-owner-occupied investment property in the City of Alexandria and in Fairfax County, including the many Fairfax County neighborhoods with an Alexandria mailing address. We confirm the jurisdiction because permits and inspections differ.
Do I need Board of Architectural Review approval for my rehab?
If the property is in the Old and Historic Alexandria District or the Parker-Gray District and the work changes the exterior visible from a public way, a certificate of appropriateness is usually required before permits. Interior-only renovations generally do not need BAR review. Confirm with the city.
Is Alexandria eligible for your joint venture program?
Much of the city is inside the Capital Beltway, so off-market Alexandria deals can be considered for 100% joint-venture funding when purchase plus rehab is at or under 70% of after-repair value.
Do Alexandria rentals need an inspection?
Rental units in the city's designated inspection districts are part of the Residential Rental Inspection Program run by the Department of Code Administration. We factor that into DSCR rental refinances.
What are your hard money rates in Alexandria?
Fix & flip and bridge loans run from 10.49% to 12.99%, subject to underwriting, from $50,000 to $2M. DSCR rental loans go up to $3M and are priced separately.
How fast can you close in Alexandria?
Written approval within 24 hours and closings in as little as 3 business days on clean files, with an in-house valuation or broker price opinion instead of a full appraisal.
More Virginia areas: all Virginia areas we serve · Arlington County, VA · Fairfax County, VA
Have a Deal in Alexandria?
Send the address and your numbers. Written terms within 24 hours, subject to underwriting.