Kirkland’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and expand with confidence? We offer builders, landlords, and real estate investors reliable capital backed by institutional strength and seasoned construction lending expertise. Expect quick approvals, clear draws, and tailored terms on our Kirkland hard money loans so your real estate investments stay on track.

Whether you need fix and flip financing, bridge loans, or new construction funding, we move at the pace your deals demand. As trusted private money lenders serving Kirkland and beyond, we provide flexible structures, transparent pricing, and responsive service that real estate investors count on to scale smartly.

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Fast, Reliable Capital for Your Next Real Estate Deal

Driven by results, we pair institutional stability with the agility of a direct hard money lender, serving as a trusted private money lender in Kirkland. Our competitive loan programs fuel every stage of the deal cycle, from fix and flip to new construction, rental property loans, and short-term bridge financing. With fast funding, responsive underwriting, and flexible terms, we help real estate investors scale portfolios, capture opportunities on deadline, and build long-term wealth with confidence.

Fix & Flip Loans

Fix & Flip Loans

Investors count on our flexible fix & flip loans for projects in Kirkland and beyond, delivering short term financing and a streamlined hard money rehab loan to acquire and renovate quickly, including those aligned with the BRRRR method. We underwrite the After Repair Value (ARV), so you can access higher leverage for purchase and rehab. With responsive approvals and draw management, our fix and flip funding keeps timelines tight and ROI targets within reach.

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New Construction Loans

New Construction Loans

Unlock flexible financing for ground up construction with our private construction loans tailored to builders and investors. We fund single family spec homes, multi unit residential communities, and mixed use developments, scaling with your timeline and budget. As your trusted private construction lender in Kirkland, we coordinate a transparent staged draw process tied to verified milestones, so you can confidently handle lot acquisition, horizontal improvements, and vertical build costs while keeping momentum, managing risk, and protecting profitability.

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Bridge Loans

Bridge Loans

We help you move quickly with hard money bridge loans that provide dependable interim financing. Use our gap financing when timing matters more than the rigid timelines of conventional lenders, whether you’re seizing an investment property or stabilizing an asset before qualifying for permanent financing. Our real estate bridge loans in Kirkland deliver fast, collaborative capital, and we stay engaged from offer to exit so your deal never stalls.

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DSCR Loans

DSCR Loans for Rental Properties

In Kirkland, our DSCR loans leverage the Debt Service Coverage Ratio to qualify properties, offering a no income verification path for investors expanding portfolios. We structure these rental loans as asset based loans, a straightforward form of landlord financing that focuses on rent rolls and market comps, not personal wages. Use our investment property mortgages to acquire and refinance long-term rentals, or STR and MTR units, so you can scale cash flow with flexible terms and fast closings.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Rooted in institutional reliability and entrepreneurial flexibility, we serve Kirkland as a leading hard money lender, guiding complex real estate deals with clarity and fast funding, structuring approvals swiftly so investors move confidently from offer to close.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Backed by an expanded credit box and creative, transparent underwriting, we finance projects other lenders pass on, and our Kirkland hard money lending expertise moves quickly, finding practical yeses for unique investments and time-sensitive opportunities when it matters.

  3. Certainty From a Direct Lender.
    Choose us for speed and clarity; as a direct hard money lender in Kirkland, we deploy our own capital, streamline loan approval, and, through direct lending, move you from underwriting to secure funding fast, with transparent steps and dependable closings.

  4. Faster Funding, Faster Draws.
    Timing matters in real estate, so we streamlined our Kirkland loan process to deliver fast funding, accelerate closings in as little as 10 days, and speed every construction draw, while Unitas keeps your projects moving with updates and confident execution.

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Get Pre-Approved in 24 Hours
Apply today and secure funding for your next investment property in Kirkland.

FAQs

Who qualifies for a hard money loan from Unitas Funding?

Looking for a lender that shows up at every stage, not just the cheapest rate? Our hard money investor loans fit entrepreneurs who want a long-term partner and consistent capital. Count on fast funding when you write offers, after the term sheet, and through every milestone of the draw process. Operate via LLC or corporation for your real estate investments and prefer clarity, speed, and expertise? We deliver private money lending and construction loans with local insight, including hard money lending in Kirkland, backed by pragmatic underwriting, so your projects move faster, safer, and with fewer surprises.

What is required to apply for a Unitas real estate investment loan?

Start the loan application for your real estate investment loan by applying through a business entity—LLC or corporation only—for investment or business purposes. For investment property financing in Kirkland, we request formation documents, operating agreement, EIN, IDs, purchase contract, property details, rent roll or leases, appraisal, bank statements, and recent tax returns.

- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement

What credit score do I need for a hard money loan from Unitas?

Count on us for business purpose loans tailored to qualified investors with a solid track record. When evaluating a hard money loan, we calculate the credit score using the median FICO score from a tri-merge report, or the lower of two if only two scores appear. Representative scores under 600 aren’t eligible for our investment property loans, protecting performance while keeping terms sharp on private loans in Kirkland that align with your goals and financial profile.

Do you lend to first-time real estate investors in Kirkland?

Planning your first fix and flip in Kirkland or growing a portfolio, we streamline funding with clear terms and swift closings. We offer first time real estate investor loans, flexible rental property loans, and tailored loan programs built around your strategy and timeline. With accessible capital, hands-on guidance, and transparent underwriting, you can act quickly. Our fix and flip funding helps you acquire, renovate, and exit profitably—or refinance and hold when the numbers make sense.

Is income verification required for investment property loans from Unitas?

Looking to qualify without personal income checks? Our investment property loans skip income verification, and our private real estate loans in Kirkland use asset based lending that weighs your down payment and verified liquidity. We underwrite with DSCR loans methodology, prioritizing a property’s cash flow over wages, so approvals hinge on performance, not paystubs. This transparent process lets real estate investors move faster, lock competitive terms, and strategically scale portfolios while we stay accountable from application to closing.

How long does the approval process take?

Need speed and certainty? We deliver fast loan approval with same-day pre-approvals and term sheets, then move to clear title and property valuation, our hybrid reviews finish in 3–5 business days. Our hard money loans in Kirkland can close in as little as 10 days, giving investors a decisive edge to secure financing on competitive deals. Rely on our streamlined process and local insight to fund quickly and keep transactions on track.

Why choose Unitas over other hard money lenders in Kirkland?

Drawing on deep construction and lending expertise, we navigate investor challenges faster than most hard money lenders and close private money loans in Kirkland in as little as 10 days. We tailor every deal, keep rates starting at 9.25%, and offer real estate loans up to 92.5% LTC. Backed by institutional capital yet delivered with the care of a private money lender, our high leverage loans support swift acquisitions, ground-up builds, and long-term relationships.

How is a hard money lender different from a bank?

Compared to banks, our approach as a hard money lender prioritizes speed and flexibility. We specialize in investment real estate loans, deliver fast closing loans in days, and tailor terms to creative strategies. With a transparent, streamlined process, we guide you confidently from application to close. That’s why our fix and flip, bridge loans, DSCR loans, and new construction lending in Kirkland run smoothly for real estate entrepreneurs who value certainty and responsive support.

Do you provide funding in my state or city?

Count on a seasoned direct lender delivering speed and certainty: we finance fix and flip loans, DSCR loans, new construction, and bridge loans in Kirkland and throughout Washington, plus most U.S. markets. We don’t lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we work exclusively through licensed brokers. Everywhere else, we provide business purpose loans backed by reliable private capital solutions to help investors close fast.

How do I apply for a real estate investment loan from Unitas?

Ready to apply for a real estate investment loan? We keep the process personal and efficient: start with our online loan calculator, then an Account Executive connects to review your goals, qualifications, and the best path for real estate investor financing. From swift pre approval through valuation, title, and timely draws, we coordinate every detail so real estate investors in Kirkland move confidently toward closing, while our team stays accessible and proactive at each step.

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.

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