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Hard money and fix and flip loans in Arlington, VA
Financing for higher-priced homes, rebuilds and long-term rentals in Arlington County.
The Arlington market for investors
Arlington is a compact, transit-rich county directly across the Potomac from DC, with the Orange, Silver, Blue and Yellow lines and major employers including the Pentagon and Amazon’s second headquarters at National Landing. Rents and prices are among the highest in Virginia.
Investors renovate or replace older brick colonials and Cape Cods in North Arlington, buy condos near the Metro corridors to rent, and build new homes on infill lots.
Areas investors ask about
- Rosslyn-Ballston corridor: condos and townhouses near the Orange and Silver lines
- National Landing (Crystal City and Pentagon City): condos and rentals near the new headquarters
- North Arlington: older single-family homes, tear-downs and rebuilds
- South Arlington, including Columbia Pike: lower entry prices and garden apartments
Plan for these on a Arlington deal
- Northern Virginia jurisdictions regulate short-term rentals closely, and several limit them to a host’s primary residence. Underwrite on long-term rent unless the address may legally host short stays.
- Arlington’s land values make rebuilds common. Confirm setbacks, lot coverage and permit timelines before you buy.
- Condo fees count in the payment for a DSCR loan. Ask for the association budget.
Loans available in Arlington
| Program | Use it for | Top leverage |
|---|---|---|
| DSCR rental loans | Purchase or refinance of long-term rentals, rowhouses, condos and small multifamily | 85% loan-to-value to buy, 80% on a cash-out refinance |
| Ground-up construction loans | Building a home, an infill rowhouse or a rental from the ground up, lot included | 90% of cost for experienced builders, up to 70 to 75% of the finished value |
| Fix and flip loans | Purchase plus renovation of a property you intend to sell | 90% of the purchase price and 100% of the rehab, up to 70 to 75% of after-repair value |
| Portfolio and commercial loans | A group of rentals under one note, or multifamily and commercial property | 80% on a portfolio purchase; commercial priced per deal |
Arlington hard money loans: common questions
Yes. We finance fix and flips, rebuilds, rentals and construction across Arlington County.
Yes, as rentals through our DSCR program, including non-warrantable condos.
Fix and flip loans average up to 21 days and can close in about 7 days when title and insurance are ready. Rental and DSCR loans take about 30 days, appraisal included. Closings are handled by a title company or settlement attorney.
Looking at a property in Arlington?
Send the address, the price and what you plan to do with the property. We will reply with the leverage and pricing that fit your deal.