# Washington DC Fix and Flip Loans

> Hard money, fix and flip and DSCR rental loans for Washington, DC, Maryland and Northern Virginia real estate investors. The Washington, DC division of Optimus Capital Corp (https://www.optimuscapitalcorp.com/), a relationship-driven lender for real estate investors founded in 2015. Business-purpose loans on non-owner-occupied investment property only.

Washington DC Fix and Flip Loans lends to real estate investors in all eight wards of Washington, DC and in Silver Spring, Hyattsville, Bowie and Bethesda, Maryland and Arlington, Alexandria and Fairfax, Virginia. Andrew Shanti (Senior Vice President) runs the DC division and has worked in lending and real estate since 2005. Phone (954) 598-4564. Email andrew@optimuscapitalcorp.com.

Key terms: Fix and flip loans up to 90% of purchase and 100% of rehab at a 720+ credit score, within 70 to 75% of after-repair value, interest only, 6 to 24 months, no prepayment penalty. DSCR rental loans up to 85% loan-to-value to purchase and 80% on a cash-out refinance, qualified on rental income (long-term market rent; DC does not license short-term rentals in investment properties), with no tax returns or employment check. Ground-up construction loans up to 90% of cost for experienced builders. Minimum credit score 600. Loan amounts from $75,000 to more than $10 million. Rental loans close in about 30 days; fix and flip loans average up to 21 days and can close in about 7 days.

## Loan programs
- [Investment Property Loans in Washington, DC](https://washingtondcfixandfliploans.com/investment-property-loans-washington-dc/): non-owner-occupied lending and how to choose a lender
- [Fix and Flip Loans](https://washingtondcfixandfliploans.com/fix-and-flip-loans/): purchase and renovation bridge loans
- [DSCR Rental Loans](https://washingtondcfixandfliploans.com/dscr-rental-loans/): long-term rentals, rowhouses, condos and small multifamily
- [Ground-Up Construction Loans](https://washingtondcfixandfliploans.com/new-construction-loans/): new homes, infill rowhouses and rebuilds
- [Hard Money Loan Programs](https://washingtondcfixandfliploans.com/hard-money-loan-programs/): all six programs compared

## Company
- [About Washington DC Fix and Flip Loans](https://washingtondcfixandfliploans.com/about-us/)
- [Hard Money and Fix and Flip Loan FAQ](https://washingtondcfixandfliploans.com/faq/)
- [Contact](https://washingtondcfixandfliploans.com/contact/)

## Markets
- [Areas We Serve](https://washingtondcfixandfliploans.com/areas-we-serve/)
- [Hard Money Loans in Washington, DC](https://washingtondcfixandfliploans.com/washington-dc/)
- [Hard Money Loans in Silver Spring, MD](https://washingtondcfixandfliploans.com/silver-spring-md/)
- [Hard Money Loans in Hyattsville, MD](https://washingtondcfixandfliploans.com/hyattsville-md/)
- [Hard Money Loans in Bowie, MD](https://washingtondcfixandfliploans.com/bowie-md/)
- [Hard Money Loans in Bethesda, MD](https://washingtondcfixandfliploans.com/bethesda-md/)
- [Hard Money Loans in Arlington, VA](https://washingtondcfixandfliploans.com/arlington-va/)
- [Hard Money Loans in Alexandria, VA](https://washingtondcfixandfliploans.com/alexandria-va/)
- [Hard Money Loans in Fairfax, VA](https://washingtondcfixandfliploans.com/fairfax-va/)

## Guides
- [Cost Segregation for DC Rental Property: Bigger Deductions in Year One](https://washingtondcfixandfliploans.com/cost-segregation-dc-rental-property/): How a cost segregation study front-loads depreciation on a DC-area rental, what 100% bonus depreciation changes, and why DC, Maryland and Virginia returns differ.
- [Fix and Flip Loans in Washington, DC: How to Finance a Rowhouse Renovation](https://washingtondcfixandfliploans.com/fix-and-flip-loans-washington-dc-guide/): How a fix and flip loan is sized on a DC rowhouse, what permits, historic review and the vacant property tax do to the budget, and how to plan the exit.
- [Short-Term Rental Rules in Washington, DC: What Investors Need to Know](https://washingtondcfixandfliploans.com/dc-short-term-rental-rules-investors/): Why DC investment properties cannot be licensed as short-term rentals, how the primary residence rule and 90-night cap work, and what the lodging tax costs.
- [DC’s Vacant Property Tax: What Flippers and Landlords Need to Know](https://washingtondcfixandfliploans.com/dc-vacant-property-tax-investors/): How DC taxes vacant and blighted property at up to twelve times the normal rate, when a property must be registered, and the exemptions for renovation and sale.
- [TOPA in Washington, DC: A Guide for Real Estate Investors](https://washingtondcfixandfliploans.com/dc-topa-investors-guide/): How the Tenant Opportunity to Purchase Act affects buying and selling tenant-occupied property in DC, which homes are exempt, and what changed in 2025.
- [DSCR Loans for DC Rental Property: How They Work](https://washingtondcfixandfliploans.com/dscr-loans-dc-rental-property/): How a DSCR loan is calculated on a DC-area rental, what goes into the monthly payment, and the licensing and rent rules that affect it.
- [Hard Money Loan Document Checklist](https://washingtondcfixandfliploans.com/hard-money-loans-document-list/): What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.

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