Tacoma, WA's Trusted Hard Money Lender for Real Estate Investors

When you find the perfect investment property in Tacoma, traditional bank financing can cost you the deal. While conventional lenders take 30 to 45 days to close, Unitas Funding delivers capital in as little as 10 business days. We specialize in private loans for Tacoma real estate investors who need speed, flexibility, and certainty to compete in Washington's competitive real estate market.

Unitas Funding provides hard money loans designed specifically for business-purpose real estate investments across Tacoma and the greater Puget Sound region. Whether you're renovating a historic North End Victorian, building new construction in South Tacoma, or acquiring rental properties near Joint Base Lewis-McChord, our asset-based lending approach focuses on your property's potential, not just your personal financial history. Backed by $4.5 billion in institutional capital and thousands of successfully funded deals, we combine the reliability of a major lender with the personalized service of a true partner.

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Fast, Reliable Capital for Your Next Real Estate Deal

Tacoma's real estate market moves quickly, and your financing should too. Unitas Funding offers multiple loan programs tailored to different investment strategies, with competitive rates starting at 8.99% and loan-to-cost ratios up to 92.5%. Our streamlined underwriting process delivers pre-approvals in as little as 24 hours, giving you the confidence to make competitive offers on properties from Stadium District condos to Proctor District single-family homes. We don't just process applications. We partner with investors to structure deals that make financial sense.

Fix & Flip Loans

Fix & Flip Loans

Tacoma's aging housing stock creates exceptional opportunities for investors using the fix-and-flip strategy. Our short-term financing covers both purchase price and renovation costs based on after repair value, not just current condition. With flexible 12-, 18-, and 24-month terms, you control your timeline without the pressure of arbitrary deadlines. We fund projects across all Tacoma neighborhoods, from waterfront properties in Ruston to craftsman homes in Hilltop, with draw schedules that release capital as your renovation progresses. Interest-only payment options preserve your cash flow while you add value to the property.

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New Construction Loans

New Construction Loans

Ground-up construction projects require lenders who understand the complexities of building from scratch. Unitas Funding provides new construction funding for single-family spec homes and multifamily residential developments throughout Tacoma and Pierce County. Our experienced underwriting team evaluates projects based on market fundamentals and your exit strategy, not rigid formulas. We structure milestone-based draw schedules tied to inspections, ensuring capital flows as construction advances. Whether you're building modern townhomes in the Brewery District or single-family residences in Northeast Tacoma, our construction loan specialists provide the expertise and capital you need.

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Bridge Loans

Bridge Loans

Gap financing solves timing challenges that kill deals. When you need to secure a property before selling another, refinancing existing debt, or waiting for permanent financing approval, Unitas bridge loans provide the interim capital to move forward. Our 6- to 12-month terms give you breathing room to execute your strategy without rushing critical decisions. Tacoma investors use our bridge loan products to acquire properties at auction, secure off-market deals before competitors, and transition between different phases of their investment plans. Our Tacoma hard money lenders structure terms around your specific timeline and exit strategy.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental property portfolio in Tacoma doesn't require traditional income documentation. Our debt service coverage ratio (DSCR) loans qualify based on the property's rental income potential, not your personal W-2s or tax returns. This asset-based lending approach works for short-term rentals near Point Defiance Park, mid-term rentals serving traveling professionals, and long-term residential properties across Tacoma's diverse neighborhoods. DSCR loans eliminate the income verification burden that slows traditional financing, letting you scale your portfolio based on property performance rather than personal financial documentation.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas Funding combines institutional capital backing with entrepreneurial flexibility that traditional banks can't match. Our $4.5 billion in funded loans demonstrates financial strength and staying power, while our direct lending model eliminates the bureaucratic delays that plague conventional financing. You work directly with decision-makers who understand real estate investment, not loan processors following rigid checklists. This combination delivers the security of institutional backing with closing speeds that keep you competitive in Tacoma's fast-moving market.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders operate within narrow boxes for loan approval. Unitas takes a different approach. We customize loan terms around your specific project, timeline, and investment strategy. Our underwriting team evaluates loan approval based on credit score, property fundamentals, and your exit plan, not personal income. This flexibility means we can structure financing for properties and situations that conventional lenders automatically decline.

  3. Certainty from a Direct Lender
    As a direct lender, Unitas owns the capital we deploy. We don't sell loans to secondary markets or depend on warehouse lines that disappear during market volatility. When we approve your loan, that approval is final. This certainty matters when you're competing against cash buyers or working within tight contract timelines. Our word is our bond, and our track record of thousands of successful closings proves it.

  4. Faster Funding, Faster Draws
    Speed matters at every stage of your investment project. Unitas closes loans in as little as 10 business days with complete documentation, and our draw process maintains that momentum. We provide 24- to 48-hour turnarounds on draw requests after inspection completion, keeping your renovation or construction projects moving forward without capital delays. Most projects require approximately 10 draws, and our streamlined process ensures each one happens quickly and predictably. Your project timeline drives our response time, not our internal bureaucracy.

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Get Pre-Approved in 24 Hours!
Ready to move on your next Tacoma investment property? Unitas Funding can deliver a pre-approval in as little as 24 hours, giving you the confidence to make competitive offers immediately. Our application process focuses on property value, your investment strategy, and deal fundamentals, not mountains of personal financial documentation. Complete the form below to connect with our lending team and discover how fast real estate financing should work.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas Funding finances business-purpose real estate investments including single-family homes, multifamily properties, townhomes, and mixed-use residential buildings across Tacoma and Pierce County. We provide hard money lending for Tacoma fix-and-flip projects, ground-up new construction, bridge financing, and rental property acquisitions through DSCR loans. All loans must be made to business entities for investment purposes. We do not provide consumer residential mortgages or owner-occupied financing.

How quickly can you close on a Tacoma investment property?

With complete documentation, Unitas Funding closes investment property loans in as little as 10 business days. Pre-approvals can be delivered within 24 hours, and final approvals typically occur within 3 to 5 business days depending on title clearance and property valuation completion. This timeline significantly outpaces traditional bank financing, which typically requires 30 to 45 days minimum, giving you a competitive advantage when securing time-sensitive deals.

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

Unitas Funding offers loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects, covering both purchase price and renovation costs. Actual LTC ratios depend on property type, location, your experience level, and project scope. Our underwriting evaluates after repair value and your exit strategy to determine appropriate leverage. Rates start at 8.99% with terms customized to your specific project timeline and investment plan.

Do you require personal income verification for DSCR loans?

No. Our debt service coverage ratio loans qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. This asset-based lending approach evaluates the property's ability to generate sufficient rental income to cover debt service. You'll need to provide business entity documentation and demonstrate adequate liquidity for down payment and reserves, but personal income verification is not required.

What areas of Tacoma do you serve?

Unitas Funding provides private real estate loans throughout Tacoma and the greater Pierce County area, including North End, South Tacoma, Stadium District, Proctor District, Hilltop, Ruston, University Place, Lakewood, Puyallup, and surrounding communities. As a wholesale lender in Washington State, we work exclusively with licensed mortgage brokers and do not accept direct applications from borrowers. Connect with a licensed broker to access our lending programs for your Tacoma investment property.

Ready to Fund Your Next Tacoma Real Estate Investment?

Tacoma's real estate market rewards investors who move quickly and decisively. Unitas Funding provides the fast, flexible capital you need to compete and win. Whether you're flipping your first property or building a portfolio of rental homes, our team brings institutional expertise, entrepreneurial thinking, and a genuine commitment to your success. Contact our Tacoma hard money lenders today to discuss your next project and experience what real partnership in real estate financing looks like.

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