Hard Money Loans in Seattle, WA
Seattle real estate carries a high basis and rewards investors who can execute renovations and infill development faster than banks can fund them. Hard money exists for this market: asset-based loans approved on the property and the deal, for fix and flip, townhome and DADU development, rental value-add, and bridge situations. Y Millennial Funding offers hard money programs for Seattle investors — typically 65-75% of value (measured against ARV on renovation and build deals), 6-24 month interest-only terms, entity borrowers standard. All loans are business-purpose, secured by non-owner-occupied investment property. Programs, rates, and availability vary by state and lender. Not all applicants qualify.
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Why Seattle for Real Estate Investors
Seattle's investor market is defined by high values and infill opportunity: older single-family stock gets renovated, and undervalued lots support townhome and detached-ADU (DADU) development under the city's density-friendly rules. Exit liquidity is strong, but high construction costs and permitting timelines reward experienced investors who move on term-limited financing.
What Investors Do Here
What works here: single-family renovations across the south-end and outer neighborhoods; townhome and DADU/backyard-cottage development on infill lots for experienced builders; BRRRR value-add that refinances into DSCR loans on strong Seattle rents; and bridge financing to close while a prior project sells. Nearby Tacoma and south-county markets fit the more affordable renovation end.
Neighborhoods & Property Types
Investor activity concentrates where value and density meet: Beacon Hill, Rainier Valley, and Columbia City; Delridge, White Center, and South Park; and Lake City and Bitter Lake in the north. Property types run from mid-century single-family homes (the classic Seattle renovation) to infill lots for townhome and DADU development.
How Investors Use Hard Money in Seattle
Close a competitive Seattle acquisition in days, not weeks.
Fund purchase plus renovation or townhome/DADU development against completed value.
Bridge a Seattle acquisition while your last project sells or refinances.
Loan Programs Available
Programs matched to the deal — leverage, property type, and timeline.
Frequently Asked Questions
Common questions about hard money lending in Seattle.
Have a Seattle Deal Under Contract?
Get a clear term sheet before you commit — leverage, pricing, and timeline matched to your project.
Get a Term SheetHard Money in Other Markets
Related Resources
Loan programs, rates, and availability vary by state, lender, and applicant. Business-purpose loans secured by non-owner-occupied investment property only. Not an offer of financing. Not all applicants qualify.
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