Home / Areas we serve / Fairfax, VA
Hard money and fix and flip loans in Fairfax, VA
Financing for split-levels and ramblers to update, rentals near George Mason University, and new construction in Fairfax.
The Fairfax market for investors
Fairfax County is the most populous jurisdiction in the region, and the independent City of Fairfax sits at its center beside George Mason University. Much of the housing is single-family homes and townhouses built from the 1950s to the 1980s, with newer development around Merrifield and the Silver Line.
Investors update dated split-levels, ramblers and colonials for resale, hold rentals for university staff, students and the county’s large professional workforce, and build on infill lots.
Areas investors ask about
- City of Fairfax: older homes and rentals near George Mason University
- Annandale and Springfield: mid-century homes ready for renovation
- Merrifield and Vienna: higher-priced homes and townhouses near the Orange and Silver lines
- Burke and Fairfax Station: larger suburban homes with association dues
Plan for these on a Fairfax deal
- The City of Fairfax and Fairfax County have separate permit offices. Confirm which one covers the address.
- 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.
- Townhouse and subdivision association dues count in the payment for a DSCR loan.
Loans available in Fairfax
| 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 |
Fairfax hard money loans: common questions
Yes. We finance fix and flips, rentals and construction across Fairfax County and the City of Fairfax.
Yes. We lend up to 85% loan-to-value on a rental purchase, qualified on the market rent.
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 Fairfax?
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.