Hard Money Loans in Washington, DC
Washington, DC real estate rewards investors who can move on rowhouse renovations and condo conversions in appreciating corridors — and bank timelines lose those deals. Hard money exists for this market: asset-based loans approved on the property and the deal, closing in days, for fix and flip, condo conversion, rental value-add, and bridge situations. Y Millennial Funding offers hard money programs for DC investors — typically 65-75% of value (measured against ARV on renovation 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.
Get Pre-Qualified
Why Washington for Real Estate Investors
DC's investor market runs on rowhouse transformation and condo conversion: aging stock across Northeast and Southeast gets renovated — or split into condos — for a population and price point that keep climbing east of the river and along transit. Exit liquidity is strong in the District's established corridors, while rising construction and carrying costs reward investors who execute on tight, term-limited financing.
What Investors Do Here
What works here: rowhouse fix-and-flips through the appreciation corridors; condo conversions of rowhouses and small multifamily (the classic DC play) where zoning and the numbers support it; BRRRR value-add that refinances into DSCR loans on strong DC rents; and bridge financing to close while a prior project sells. Experienced sponsors take on gut renovations and pop-up/pop-back additions.
Neighborhoods & Property Types
Investor activity concentrates where renovation meets rising demand: Petworth, Brightwood, and Brentwood in the Northwest/Northeast; Trinidad, Carver-Langston, and Deanwood in the Northeast; and Congress Heights, Anacostia, and Hillcrest east of the river. Property types are dominated by rowhouses and small multifamily — the core of DC value-add and condo conversion.
How Investors Use Hard Money in Washington
Close a competitive rowhouse acquisition in days, not weeks.
Fund purchase plus renovation or condo conversion against ARV.
Bridge a DC 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 Washington.
Have a Washington 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.
Get Pre-Qualified
Same-Day Decisions