Hard Money Lender in Arlington County, Virginia
Fix & flip, tear-down rebuild, bridge and DSCR rental financing for investors in Arlington County, from Rosslyn and Ballston to Westover, Shirlington and Arlington Ridge. Every Arlington address sits inside the Capital Beltway, so off-market deals can also be considered for our 100% JV program.
Arlington County Loan Programs for Investors
- Fix & Flip$50K–$2M · 10.49–12.99% · Full renovations of Cape Cods, bungalows and colonials
- New Construction$50K–$2M · draws on a schedule set at closing · Tear-down rebuilds where the lot is worth more than the house
- Bridge Loans$50K–$2M · up to 80% of purchase · Quick purchases and refinances on condos and small multifamily
- DSCR Rental Loans$50K–$3M · qualify on the rent · Condos and rentals along the Metro corridors
Investing in Arlington County: what to know
One county, no towns
Arlington is the geographically smallest self-governing county in the United States, at about 26 square miles, and it has no incorporated towns or cities inside it. That means one set of rules: the county handles zoning, permits and inspections for every address. The City of Alexandria and the City of Falls Church on its borders are separate jurisdictions.
Virginia overview →All of it is JV territory
Because the whole county lies inside the Capital Beltway, an off-market Arlington property can be considered for 100% joint-venture funding when the purchase price plus rehab is at or under 70% of after-repair value. You bring the contract and the plan; we bring the capital.
JV Program →Tear-downs and lot limits
Land costs drive a steady stream of tear-down rebuilds in neighborhoods such as Waverly Hills, Yorktown, Rock Spring, Lyon Village and Arlington Ridge. The zoning ordinance limits lot coverage on one-family lots, and some neighborhoods are local historic districts reviewed by the Historical Affairs and Landmark Review Board, so we size the new house to the lot before closing.
New Construction →Metro corridors and National Landing
The Rosslyn–Ballston corridor on the Orange and Silver lines and National Landing (Crystal City and Pentagon City), home to Amazon's second headquarters, keep rental demand high. Investors often renovate a condo or small multifamily building and refinance into a DSCR loan once it is leased.
DSCR Rental Loans →Communities we finance in Arlington County
Arlington Forest, Arlington Ridge, Aurora Highlands, Ballston, Bluemont, Cherrydale, Clarendon, Columbia Pike, Courthouse, Crystal City, Douglas Park, Fairlington, Glebe, Lyon Park, Lyon Village, Pentagon City, Rock Spring, Rosslyn, Shirlington, Waverly Hills, Westover and Yorktown. If your property is elsewhere in Arlington County, send us the address.
Arlington County loan terms
We lend our own capital as a balance-sheet lender, 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.
Arlington County Hard Money Questions
Do you lend everywhere in Arlington County?
Yes. Arlington County has no incorporated towns, so every address is under county rules, and we lend on non-owner-occupied investment property throughout the county.
Are Alexandria and Falls Church part of Arlington?
No. The City of Alexandria and the City of Falls Church are independent cities with their own permit offices. We lend in both of them as well as in Arlington County.
Do Arlington properties qualify for your JV program?
They can. All of Arlington is inside the Capital Beltway, so off-market deals where purchase plus rehab is at or under 70% of after-repair value can be considered for 100% joint-venture funding, subject to underwriting.
Can you fund a tear-down and rebuild in Arlington?
Yes. Our new construction loan funds the build on a draw schedule set at closing, from $50,000 up to $2M. We review lot coverage and any historic-district review before closing so the plans and the budget match.
What are your rates and limits in Arlington?
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. There is no minimum FICO and no full appraisal.
Do you lend on Arlington condos?
Yes, as investment property. Condos work for bridge loans and for DSCR rental loans, subject to the building's rules and underwriting.
More Virginia areas: all Virginia counties and cities we serve · Fairfax County, VA · Loudoun County, VA
Have a Deal in Arlington County?
Send the address and your numbers. Written terms within 24 hours.