Fix-and-Flip Loans in Washington, DC

Washington DC Fix and Flip Loans: What We See on the Ground

Fix and flip loans in Washington DC are challenging due to the highly competitive market, but they're not impossible with the right strategy and underwriting. Washington DC blends iconic historic neighborhoods (Georgetown, Capitol Hill) with post-war row house enclaves (Dupont Circle, Adams Morgan) and cutting-edge urban redevelopment zones (Navy Yard, NoMa, The Wharf). Classic brick rowhomes and Federal-style townhouses frequently demand structural updates, energy-efficient systems, and restorations that honor preservation standards; modern condos and mixed-use conversions thrive on high-end kitchen/bath overhauls, open-concept redesigns, and features tailored to millennial buyers and government relocations. We underwrite with those realities in mind—rigorous historic district regulations, condo association bylaws, and comps that shift from ward to ward.

Washington DC Fix and Flip Loans: Deal at a Glance

  • Max Leverage: Up to 65% of ARV

  • Term: 6–12 months, interest-only

  • Prepayment: No penalty

  • Collateral: 1–4 unit residential including rowhouses and townhomes

  • Close Speed: As fast as title/appraisal readiness allows

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Local, boutique capital for Washington DC investors—delivered fast. We lend our own money, quote quickly, and structure draws so you can move from demo to market without delays.

Local Scenarios We Fund in Washington DC

Washington DC rewards precise scopes, preservation-sensitive upgrades in historic wards, and efficient draw schedules amid urban density. These are common profiles we fund; if your deal looks different, we’ll tailor structure and cadence.

  1. Capitol Hill Rowhome Refresh — Systems + kitchen/bath + exterior trim in the Historic District (permits/COA timelines considered)

  2. Brookland Single Family Home Turn — Roof/HVAC/electrical bundle + interiors to hit FHA-friendly comps

  3. Navy Yard / NoMa Townhome — Cosmetic lift (paint/floors/fixtures) → quick market turn

Illustrative Funding Example (subject to underwriting)

Numbers below reflect typical Washington DC ranges; we’ll calibrate to your comps, scope, and timeline.

Scenario A — Historic Townhouse (Georgetown)

  • Purchase: $710,000

  • Rehab: $180,000

  • ARV: $1,100,000

  • Max Loan: We typically calculate the max loan as the lesser of approximately 65% of the After-Repair Value (ARV) or 85% of the Loan-to-Cost (LTC), where LTC is the total of purchase price plus rehab costs. Here's how it breaks down: 65% of ARV is 0.65 × $1,100,000 = $715,000. For LTC, that's $710,000 (purchase) + $180,000 (rehab) = $890,000 total cost, and 85% of that is 0.85 × $890,000 = $756,500. Since $715,000 is the lower of the two, that's the max loan amount in this example. However, there's flexibility—we might go higher (e.g., closer to the LTC cap) or lower depending on deal-specific factors like a prime location in Georgetown boosting resale potential, the borrower's strong credit and experience, sufficient capitalization to cover overruns, or other underwriting details such as verified comps and scope feasibility.

  • Structure: Interest-only; milestone-based draws; no prepay penalty

Scenario B — Urban SFH (Brookland/Adams Morgan corridor)

  • Purchase: $519,000

  • Rehab: $135,000

  • ARV: $800,000

  • Max Loan (≈ 65% × ARV): $520,000

  • Structure: Interest-only; first draw at closing when applicable; no prepay penalty

How We Fund (5 Steps)

Whether it’s your first or tenth flip, we keep the process simple and predictable. Complete packages get same-day soft quotes, and we can close as fast as title and appraisal allow. Draws are aligned to your rehab cadence so crews stay paid and timelines stay intact.

  1. Send address, photos, purchase, rehab, ARV, timeline, experience

  2. Same-day soft quote on complete packages

  3. Underwrite & issue term sheet

  4. Close with title (first draw at closing when applicable)

  5. Inspections → draws → list or refi (BRRRR)

Eligibility & What to Send

A clean file speeds everything up. Share the items below and we’ll validate comps, confirm the scope, and move you from quote to close without surprises.

  • Contract or payoff; rehab budget & scope; timeline

  • Photos or quick walkthrough video link

  • ARV comps (we’ll validate)

  • Entity docs & ID; insurance binder before closing

FAQS | Fix-and-Flip Loans Washington DC

  • Same-day soft quotes with complete info; closings can be expedited when title/appraisal are ready.

  • Yes, case-by-case. HOA/condo documents and resale packages may affect timing and structure.

  • For fix-and-flip in Washington DC, we can consider light/no score if the deal is strong and experience is demonstrated.

  • Deal-dependent. Request a term sheet for your specific purchase, rehab, ARV, and timeline.

Ready to Run the Numbers?

Tell us the basics of your deal and we’ll get right back to you with a same-day soft quote, a sanity check on ARV, and a clear path to close. We’re a Maryland-smart, relationship-driven lender: real people who pick up the phone, move quickly, and align capital to your scope and exit—not the other way around. Because decisions are made here (not “upstairs”), you get straight answers, predictable draws, and a partner who understands local timelines, neighborhoods, and what it actually takes to deliver a profitable flip or BRRRR in this market.

Contact us via the website or call today to get your next project moving.