Germantown, MD's Trusted Hard Money Lender for Real Estate Investors

When you find the perfect investment property, traditional bank financing shouldn't cost you the deal. Unitas Funding provides fast, flexible hard money loans designed specifically for Germantown real estate investors who need to move quickly and close with confidence. Whether you're flipping single-family homes near Seneca Creek State Park, developing new construction in the Milestone community, or building a rental portfolio across Montgomery County, we deliver the capital you need with the speed your deals demand.

We're more than just hard money lenders. We're partners in your growth. Backed by $4.5 billion in institutional capital and over 10,000 successfully funded loans, Unitas combines the reliability of a major financial institution with the entrepreneurial flexibility that real estate investors require. Our team understands Germantown's diverse neighborhoods, from established areas like Clopper's Mill to emerging opportunities near MARC train stations, and we structure each loan around your specific investment strategy and exit plan.

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Fast, Reliable Capital for Your Next Real Estate Deal

Speed separates successful investors from those who watch opportunities disappear. Unitas Funding closes private loans for Germantown real estate investors in as few as 10 business days, with pre-approvals often delivered within 24 hours. While traditional banks take 30 to 45 days or longer to process investment property financing, we understand that Germantown's competitive market requires immediate action. Our streamlined underwriting focuses on property value and your exit strategy, not endless paperwork, so you can secure properties before your competition even gets bank approval.

Fix & Flip Loans

Fix & Flip Loans

Germantown's mix of older homes and renovation opportunities creates ideal conditions for fix and flip investors. Our fix and flip loans provide up to 92.5% loan to cost financing, covering both purchase price and renovation budgets based on after repair value. With flexible 12, 18, and 24 month terms and interest only payment options, you control your cash flow while maximizing returns. We fund projects from cosmetic updates in Gunners Lake Village to complete gut renovations in Churchill, with draw schedules that keep your construction moving forward without delays.

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New Construction Loans

New Construction Loans

Ground up construction projects require lenders who understand development timelines and budget complexities. Unitas provides new construction funding for single-family spec homes and multifamily residential developments throughout Germantown and Montgomery County. Our construction loans feature milestone based draw schedules tied to third-party inspections, ensuring capital flows as your project progresses. Whether you're building in the Clarksburg corridor or developing infill lots near downtown Germantown, we structure terms around your specific timeline and take out strategy.

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Bridge Loans

Bridge Loans

Gap financing solves timing challenges that standard loans can't address. Our bridge loans provide 6 to 12 month terms for investors who need to secure properties quickly while arranging permanent financing, complete value add renovations before refinancing, or transition between investment strategies. Germantown investors use bridge loans to acquire properties at auction, purchase estates requiring quick closings, or capitalize on time sensitive opportunities where speed determines success.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio shouldn't require mountains of personal tax returns and W-2s. Our debt service coverage ratio loans qualify based on property income potential, not your personal income documentation. Whether you're acquiring long-term rentals near Germantown Town Center, mid term rentals serving corporate relocations, or short-term rentals in high demand neighborhoods, DSCR loans streamline the financing process. We underwrite based on the property's ability to generate cash flow, making portfolio scaling faster and simpler.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas delivers institutional grade capital backing with entrepreneurial execution. Our $4.5 billion in funded loans provides the financial strength and reliability you expect from major lenders, while our direct lending model eliminates bureaucratic delays. You get the certainty that your funding will be there at closing, combined with the responsiveness and flexibility that traditional banks simply cannot offer. When you need both security and speed, Unitas provides both.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders operate within rigid boxes that reject creative deal structures. Unitas takes a different approach. Our underwriting team evaluates each investment on its individual merits. We look at property fundamentals, market conditions, and your exit strategy rather than forcing every deal through standardized criteria. We customize loan terms, adjust draw schedules, and structure financing around your specific project needs. Where banks say no, we figure out how to say yes.

  3. Certainty from a Direct Lender
    As a direct lender, Unitas owns our capital and makes our own lending decisions. We don't sell loans to secondary markets or rely on warehouse lines that disappear during market volatility. When we approve hard money loans for Germantown investors, that approval is final. There are no last minute funding failures, no surprise committee rejections, no deals falling apart at closing. Yes truly means yes, giving you the confidence to make competitive offers and close transactions on schedule.

  4. Faster Funding, Faster Draws
    Construction projects live or die based on capital flow. Unitas processes draw requests in 24 to 48 hours after inspection completion, keeping your projects moving without costly delays. Our experienced team understands construction timelines and budget realities, so we work with you to solve problems rather than creating obstacles. From initial funding to final draw, we maintain the momentum your projects require to stay profitable.


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Get Pre-Approved in 24 Hours!
Ready to move on your next Germantown investment property? Unitas Funding provides pre-approvals within 24 hours for qualified investors, giving you the confidence to make competitive offers immediately. Our streamlined application process focuses on what matters. We look at property value, deal structure, and exit strategy, not unnecessary documentation. Contact our team today to discuss your investment goals and discover how Unitas can accelerate your real estate success in Germantown and throughout Maryland.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances residential investment properties including single-family homes, multifamily properties, townhomes, and condominiums throughout Germantown and Montgomery County. We provide fix and flip loans, new construction funding, bridge loans, and DSCR loans for rental properties. All loans are business purpose only, structured for LLC or corporate entities, not individual consumer financing. We evaluate properties based on investment viability, location, and exit strategy rather than rigid property type restrictions.

How quickly can you close on a Germantown investment property?

Unitas closes hard money loans in Germantown in as few as 10 business days with complete documentation. Pre-approvals are typically delivered within 24 hours, and final approvals generally take 3 to 5 business days depending on title clearance and property valuation completion. Our direct lending model eliminates third party approval delays, and our experienced underwriting team understands how to move quickly without sacrificing thoroughness. Speed is a competitive advantage we deliver consistently.

What are your loan-to-cost ratios for Germantown fix-and-flip projects?

We provide up to 92.5% loan to cost financing on qualified fix and flip projects, covering both purchase price and renovation budgets. Actual LTC ratios depend on property location, borrower experience, project scope, and after repair value analysis. We structure each loan individually based on deal fundamentals and market conditions. Rates start at 8.99%, with terms varying based on credit profile, experience level, and specific project factors.

What areas of Germantown do you serve?

Unitas serves all of Germantown and surrounding Montgomery County communities including Clarksburg, Gaithersburg, Damascus, and Rockville. We finance investment properties throughout the Washington, DC metropolitan area and across Maryland statewide. Our team understands local market dynamics, neighborhood trends, and property values across the region. Whether your investment is in established Germantown neighborhoods or emerging markets in Montgomery County, we provide the same fast, flexible financing.

What areas of Germantown do you serve?

Unitas serves all of Germantown and surrounding Montgomery County communities including Clarksburg, Gaithersburg, Damascus, and Rockville. We finance investment properties throughout the Washington, DC metropolitan area and across Maryland statewide. Our team understands local market dynamics, neighborhood trends, and property values across the region. Whether your investment is in established Germantown neighborhoods or emerging markets in Montgomery County, we provide the same fast, flexible financing.

Ready to Fund Your Next Germantown Real Estate Investment?

Stop waiting on traditional banks that don't understand real estate investing timelines. Unitas Funding provides the speed, flexibility, and certainty you need to compete and win in the investment property market. If you’re a real estate investor in Germantown and need a private loan, contact our team today. Let's build your real estate portfolio together with capital that moves as fast as your ambitions.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.