Terms and Conditions
What our published numbers mean, and what they don't
We publish leverage, terms and timelines so you can size up a deal before you call. They describe typical program maximums, not an offer on your specific property.
- Not a commitment to lendAll loans are subject to credit approval and underwriting. This offer is not guaranteed if you do not meet our criteria, including creditworthiness, insurability or the ability to provide acceptable property as collateral.
- Leverage is a maximumLoan-to-value, loan-to-cost and after-repair-value figures are typical program maximums. Actual leverage depends on the property, the plan and the documented exit.
- Timelines assume a clean fileThe 24-hour approval and 3-day closing describe business-purpose loans on clean files. Title, valuation access and insurance all affect the actual schedule.
- Rates and points are quoted per dealPricing depends on leverage, property type, exit strategy and experience. Programs, rates, terms and conditions are subject to change and to borrower qualification.
- Business purpose onlyWe lend on non-owner-occupied investment property. We do not make consumer loans on owner-occupied primary residences.
- Joint ventures are not loansJoint ventures are equity partnerships reviewed case by case and agreed in writing.
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.
Not Sure Which Program Fits?
Tell us about the property and where it is. We'll point you to the right program the same business day.