Washington, DC’s Trusted Hard Money Lender for Real Estate Investors

Real estate opportunities don’t wait for slow approvals. Investors need capital that keeps pace. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across District of Columbia, including Washington, DC, Arlington, Alexandria, Bethesda, and Silver Spring. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving District of Columbia and nearby markets like Arlington, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Streamlined underwriting helps investors compete in fast-moving submarkets where speed wins offers. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout District of Columbia—from Alexandria to Silver Spring—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in District of Columbia for acquisition-plus-rehab financing for cosmetic updates and full-scope renovations across markets like Washington, DC, Arlington, and Alexandria. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

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New Construction Loans

New Construction Loans

Our private construction loans in District of Columbia support infill builds, small multifamily, and redevelopment projects in areas such as Arlington and Bethesda. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

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Bridge Loans

Bridge Loans

When timing matters, our District of Columbia bridge loans provide interim financing for time-sensitive closings, refinance gaps, and transitional ownership periods in markets like Washington, DC and Silver Spring. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in District of Columbia are designed for investors focused on long-term rentals, mid-term/furnished strategies, and portfolio growth across Alexandria, Bethesda, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

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Why Choose Unitas Funding

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding combines institutional capital strength with entrepreneurial responsiveness. Serving investors across District of Columbia and nearby markets like Washington, DC and Arlington. Because we control the process from term sheet through funding, investors get clarity, speed, and consistent execution.

  2. More Ways to Say “Yes” to Your Deal.
    Where banks default to “no,” Unitas asks better questions and structures practical solutions. In District of Columbia, that flexibility helps investors move in submarkets such as Alexandria and Bethesda. We consider scope, budget, market conditions, and your execution plan to tailor terms that fit the investment.

  3. Certainty from a Direct Lender.
    Unitas funds with its own capital, not third-party syndication that can change at the last minute. That matters when you’re executing deals across Washington, DC, Arlington, Alexandria, Bethesda, and Silver Spring. That certainty matters when you’re competing for properties, managing contractors, and coordinating closings.

  4. Faster Funding, Faster Draws.
    Speed matters beyond closing. Unitas processes draw requests quickly after inspection completion to keep projects moving. Investors across District of Columbia—including Arlington and Silver Spring—benefit from a process built for momentum. Responsive draws help contractors stay on schedule and reduce the risk of delays caused by funding gaps.

  5. Ready to Fund Your Next District of Columbia Real Estate Investment?
    District of Columbia doesn’t slow down—and neither should your capital. Whether you’re renovating in Washington, DC, building in Bethesda, or scaling rentals across Alexandria and Silver Spring, Unitas Funding delivers the leverage and certainty needed to close on schedule.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in District of Columbia. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in District of Columbia?

Value-add operators across District of Columbia—including investors active in Washington, DC and Arlington—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a District of Columbia real estate investment loan?

At minimum, share the deal terms, scope of work, budget, and planned exit strategy. For properties in District of Columbia and nearby markets like Alexandria, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in District of Columbia?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In District of Columbia, collateral strength, leverage, and a feasible execution plan—especially for projects in Bethesda—often matter more than a single score threshold.

Do you lend to first-time real estate investors in District of Columbia?

Yes. First-time investors in District of Columbia can qualify with conservative leverage and a credible plan, particularly when working in markets like Washington, DC. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in District of Columbia?

Many programs emphasize the property rather than pay stubs. DSCR loans in District of Columbia rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Arlington and Alexandria.

How long does the hard money approval process take in District of Columbia?

Initial feedback and term sheets can often be issued quickly once deal details are submitted. Final approval depends on valuation and title, with many District of Columbia closings completed in roughly 10 days—even for time-sensitive opportunities in Silver Spring.

Why choose Unitas Funding over other hard money lenders in District of Columbia?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in District of Columbia when you’re coordinating closings and contractors across areas like Alexandria and Bethesda.

How is a hard money lender different from a bank in District of Columbia?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout District of Columbia and nearby markets such as Washington, DC.

Do you provide funding across District of Columbia?

Yes. Funding is available throughout District of Columbia, including Washington, DC, Arlington, Alexandria, Bethesda, and Silver Spring, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a District of Columbia hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across District of Columbia and markets like Arlington.

Ready to Fund Your Next District of Columbia Real Estate Investment?

District of Columbia's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide District of Columbia real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!