Written approvals in as little as 24 hours
Direct asset-based lending from $50,000 to $2M on Washington DC, Maryland and Virginia real estate. Clean files funded in as little as 3 business days. When the flip becomes a hold, our DSCR program can put you in a 30-year loan.
Hard money is our core business: short-term capital priced on the property, so you can buy, fix and close on your timeline. When the project is done, DSCR can refinance you into a 30-year rental loan. When you have the deal but not the cash, or you inherited the property, a joint venture or probate loan covers the rest.
Short-term DC, Maryland and Virginia loans underwritten on the asset and your exit, not your tax returns. This is where our 24-hour approval applies.
When the flip becomes a hold, a DSCR loan qualifies on the property's rent against its payment, not your personal income.
Bring an off-market deal and we fund the purchase and renovation and split the profit at sale. Inherited a house? Our probate loans help heirs settle the estate without a discount sale.
Speed is the product in hard money. Here is exactly what happens, and when, from your first call to the wire.
Property address, purchase price, rehab budget and your exit. Two minutes on the form or one phone call. No application fee.
We review the property and the plan and send written terms with rate, points, term and leverage, typically within 24 hours.
In-house valuation or a commercial BPO instead of a full appraisal. Title and insurance run at the same time, with one document list.
Docs to settlement, signing, wire. Clean files have closed in as little as three business days.
Two minutes now, written terms tomorrow.
The owner held the property free and clear, and it was sitting vacant after the tenants moved out. We lent on the property’s value and closed the cash-out refinance in 7 days.
The property needed major upgrades. We funded the purchase in two weeks with no appraisal and no income documents. The rehabber renovated the property and sold it at a profit.
A brother and sister inherited a property that still carried a reverse mortgage. Our $385,000 loan paid off the reverse mortgage and gave the heirs funds for repairs. They then refinanced into a DSCR loan.
Shared with permission; details limited to protect borrower privacy.
Files are reviewed the day they arrive. You typically get an answer in writing within 24 hours, including a straight no when the deal doesn't work.
Lending in the DMV since 2007*, through booms, corrections and rate spikes, so we can tell you quickly whether your numbers hold up.
We lend only in DC, Maryland and Virginia. We know how values, permits and timelines change from Petworth to Prince George's to Fairfax.
We value the property in-house or with a commercial BPO, so you skip the three-to-four-week appraisal bottleneck and the invoice that comes with it.
We underwrite the property, the margin and the exit. A bruised credit report doesn't automatically end a strong deal.
Hard money to buy and fix, DSCR to hold, or a joint venture when you'd rather partner. The takeout is planned before the bridge funds.
Banks still underwrite investment property on personal income, and that is exactly where self-employed borrowers and full-time investors get stuck. You can own several rentals, show real equity and still get turned down on a debt-to-income ratio.
Timing matters too. A bank purchase loan often takes several weeks to close, and on a competitive DC-area deal, waiting on a lender can cost you the contract. We start with the property instead: hard money handles the purchase or the deadline, then our DSCR program takes it out for the long term. That is why we publish our leverage and timelines up front instead of making you call to find out if your deal works.
What borrowers ask us most, answered without a sales detour. Program-specific questions live on each program page.
Still have a question? Call (202) 595-5472 and talk to a real person, not a call center.
RevitaLending is an asset-based private lender for real estate investors in Washington DC, Maryland and Virginia. We’re a direct lender: every loan is funded in-house with our own private capital, with no banks or institutional money involved. We have been lending on DMV investment property since 2007*. Lending only here lets us underwrite block by block: how values shift from Petworth to Prince George's County, how permit timelines differ across Northern Virginia, and what a realistic exit looks like on a given street. Files are reviewed in-house on the property and the plan, not on tax returns or a minimum credit score. And one lender covers every exit: a fix & flip or bridge loan to buy and renovate, a 30-year DSCR refinance to hold, or a joint venture inside the Capital Beltway.
County guides: Montgomery County, MD · Prince George's County, MD · Fairfax County, VA · Arlington County, VA · Loudoun County, VA · Alexandria, VA · Prince William County, VA · Stafford County, VA · Frederick County, VA · Anne Arundel County, MD · Baltimore County, MD
Send the address and the number you need. You get written terms with rate, points, term and leverage, or a straight no with the reason. Either way, you know the same day.
No application fee. Written terms on business-purpose loans in as little as 24 hours, subject to underwriting.
We publish leverage, terms and timelines so you can size up a deal before you call. They describe typical program maximums, not an offer on your specific property.
