Norfolk, VA's Trusted Hard Money Lender for Real Estate Investors

When opportunity knocks in Norfolk's competitive real estate market, traditional bank financing won't answer fast enough. Whether you're eyeing a waterfront fix-and-flip in Ocean View, a multifamily conversion in Ghent, or ground-up construction in the rapidly developing Harbor Park district, Unitas Funding delivers the speed and flexibility Norfolk investors need to close deals before competitors even finish their paperwork.

Norfolk's housing market presents unique opportunities for savvy investors. The city's ongoing revitalization, military presence providing steady rental demand, and waterfront development projects create consistent deal flow for those who can move quickly. With rates starting at 8.99%, loan-to-cost ratios up to 92.5%, and closings in as few as 10 days, our private loans help Norfolk real estate investors capitalize on time-sensitive deals while banks are still requesting documents.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

Speed without certainty is worthless. That's why Unitas Funding operates as a direct lender with $4.5 billion in institutional capital backing every commitment we make. When we say yes to your Norfolk investment property, that approval comes from the same team funding your loan. No secondary committees. No last-minute surprises. Our Norfolk hard money lenders funded over 4,700 loans because investors know our pre-approvals mean something.

Fix & Flip Loans

Fix & Flip Loans

Our fix and flip loans provide purchase and renovation capital based on after repair value (ARV), not just current condition. We fund up to 92.5% of total project costs with flexible 12-, 18-, and 24-month terms. Typical projects require approximately 10 draws, and we process requests within 24-48 hours after inspection completion.

Learn More
New Construction Loans

New Construction Loans

Ground-up development requires lenders who understand construction timelines, permit processes, and market absorption rates. Our new construction funding supports single-family spec homes, multifamily residential projects, and mixed-use developments with staged financing tied to construction milestones.

Learn More
Bridge Loans

Bridge Loans

Bridge loans provide interim financing when you need to close quickly on a Norfolk investment property while awaiting permanent financing, property sales, or portfolio refinancing. Our 6- to 12-month bridge terms give you the flexibility to secure properties at auction, capitalize on off-market deals, or transition between investment strategies without losing momentum.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio in Norfolk doesn't require traditional income verification when you partner with the right lender. Our debt service coverage ratio (DSCR) loans qualify based on property cash flow, not personal W-2s or tax returns. This asset-based approach works for short-term rentals near Norfolk's Naval Station, mid-term rentals serving military families, and traditional long-term holds.

Learn More


What Makes Unitas Different?

  1. The Power of a Bank, The Speed of a Partner
    Traditional banks offer stability but lack speed. Private money lenders offer speed but lack institutional backing. Unitas Funding delivers both. Our $4.5 billion in funded loans provides the financial strength and reliability of institutional lending, while our direct lending model ensures the responsiveness and flexibility Norfolk investors need.

  2. More Ways to Say ‘Yes’ to Your Deal
    Banks operate within rigid formulas designed to minimize their risk, not maximize your opportunities. Our underwriting focuses on property value, deal structure, and exit strategy rather than arbitrary requirements that ignore real estate fundamentals. Our flexible underwriting has funded thousands of loans traditional lenders rejected.

  3. Certainty from a Direct Lender
    When you work with loan brokers or conduit lenders, your approval depends on secondary markets and third-party capital sources. Unitas Funding owns our capital. Our Norfolk hard money lenders make our own lending decisions. When we approve your loan, that approval comes from the same institution funding it.

  4. Faster Funding, Faster Draws
    Construction projects live or die on cash flow timing. We process draw requests within 24-48 hours after receiving inspection reports, keeping your projects moving and your contractors paid. No bureaucratic delays. No arbitrary holdbacks. No funding freezes that halt construction momentum.
shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Norfolk's best investment opportunities won't wait for lengthy approval processes. Get pre-approved in 24 hours and position yourself to compete with cash buyers. Submit your project details, property information, and basic financial overview, and our underwriting team will provide a clear answer and preliminary terms within one business day.

Frequently Asked Questions

What types of investment properties do you finance?

We finance all business-purpose investment properties in Norfolk, including single-family fix-and-flips, multifamily renovations, ground-up residential construction, mixed-use developments, short-term rentals, mid-term rentals, and long-term rental portfolios. We do not finance owner-occupied residential properties. All financing is structured for business entities investing in real estate for business purposes.

How quickly can you close on a Norfolk investment property?

We close loans in as few as 10 business days with complete documentation and clear title. Our typical timeline includes same-day pre-approval, 3-5 business days for final underwriting and property valuation, and 5-7 days for title work and closing coordination. Traditional bank financing typically requires 30-45 days minimum.

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

We provide up to 92.5% loan-to-cost financing on qualified fix-and-flip projects, covering both acquisition and renovation expenses. Actual LTC ratios depend on property type, location within Norfolk, borrower experience, project scope, and exit strategy. Our underwriting focuses on total project economics to ensure your deals succeed.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans qualify based on property cash flow, not personal income documentation. This asset-based approach eliminates W-2s, tax returns, pay stubs, and employment verification requirements. We do require verification of down payment funds, business entity documentation, and property income analysis.

What areas of Norfolk do you serve?

Our hard money lenders serve all of Norfolk and surrounding Hampton Roads communities, including Virginia Beach, Chesapeake, Portsmouth, Suffolk, Newport News, and Hampton. Our lending extends throughout Virginia and nationwide (excluding wholesale-only states: NV, WA, OR, UT). We finance properties across all neighborhoods, from established areas like Ghent and Colonial Place to emerging markets like Park Place and Wards Corner.

Ready to Fund Your Next Norfolk Real Estate Investment?

Stop losing deals to investors with faster financing. Unitas Funding combines institutional capital strength, direct lending certainty, and investor-focused speed to help you compete and win in a dynamic real estate market. Contact our team today for pre-approval and discover why thousands of real estate investors in Norfolk trust private loans from Unitas Funding.

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