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

When the perfect investment property hits the market in Virginia Beach, traditional bank financing won't get you to the closing table fast enough. Whether you're eyeing a fix-and-flip opportunity in the Oceanfront district, planning ground-up construction in Chesapeake Bay, or acquiring rental properties in Town Center, Unitas Funding provides the speedy and flexible private loans Virginia Beach real estate investors need to compete and win.

As a direct hard money lender in Virginia Beach with institutional backing and $4.5 billion in funded short-term loans, we specialize in asset-based lending that focuses on your property's potential, not just your personal financial history. Our team combines deep construction knowledge with real estate market expertise to structure loans around your specific investment strategy. From first-time flippers to seasoned portfolio builders managing multiple projects, we partner with Virginia Beach investors at every experience level with transparent terms, competitive rates starting at 8.99%, and loan-to-cost ratios up to 92.5%.

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Fast, Reliable Capital for Your Next Real Estate Deal

Virginia Beach's competitive real estate market demands decisive action. While traditional banks take 30 to 45 days to close, Unitas Funding delivers pre-approvals in as little as 24 hours and final closings in 10 business days. Our streamlined underwriting process evaluates your deal based on after repair value and exit strategy, not rigid formulas that slow down approvals. We offer multiple loan programs designed specifically for real estate investors: fix-and-flip financing, new construction funding, bridge loans for time-sensitive acquisitions, and DSCR loans for rental properties that qualify on cash flow rather than personal income.

Fix & Flip Loans

Fix & Flip Loans

Virginia Beach's diverse housing stock creates consistent opportunities for renovation projects, from historic homes in Old Beach to mid-century properties in Kempsville. Our fix-and-flip loans provide both acquisition and renovation capital in a single package, with terms from 12 to 24 months and interest-only payment options that preserve your cash flow during construction. We underwrite based on your property's after repair value, allowing you to access the capital needed to execute your vision. With flexible draw schedules tied to project milestones and 24 to 48 hour draw request turnaround, your renovation stays on schedule without funding delays that derail timelines and budgets.

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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 financing for single-family spec homes, multifamily residential developments, and mixed-use projects throughout Virginia Beach and surrounding Hampton Roads communities. Our construction loans feature staged draw processes aligned with inspection milestones, ensuring capital flows as your project progresses. Whether you're building luxury homes near the Chesapeake Bay waterfront or developing workforce housing in growing neighborhoods, our team brings institutional lending expertise combined with the flexibility to structure terms around your specific construction timeline and exit strategy.

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Bridge Loans

Bridge Loans

Time-sensitive opportunities don't wait for traditional financing. Our bridge loans provide interim capital for 6 to 12 months, enabling you to secure properties quickly while arranging permanent financing or completing value-add improvements. Virginia Beach investors use bridge financing to acquire properties at auction, capitalize on off-market deals requiring immediate action, or transition between projects while awaiting sale proceeds. With asset-based underwriting focused on property equity and deal fundamentals, we approve bridge loans that banks decline due to timing constraints or unconventional deal structures.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental property portfolio in Virginia Beach requires financing that scales with your investment strategy, not your W-2 income. Our debt service coverage ratio (DSCR) loans qualify based on property cash flow rather than personal income verification, eliminating tax return requirements and streamlining the approval process. Whether you're acquiring short-term vacation rentals near the oceanfront, mid-term corporate housing in business districts, or traditional long-term rentals throughout Hampton Roads, DSCR loans provide the capital you need without the documentation burden that slows traditional lending. This approach works for both seasoned investors managing multiple properties and emerging landlords building their first rental portfolio.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas Funding combines institutional capital strength with entrepreneurial responsiveness. Our $4.5 billion in funded loans provides the financial stability and reliability you expect from major lenders, while our direct lending model eliminates the bureaucratic delays that plague traditional banks. We make decisions quickly, communicate clearly, and close on schedule because we own our capital and control the entire process from application to funding. This combination means you get both the security of working with a well-capitalized lender and the speed of a partner who understands that real estate opportunities don't wait.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders operate within rigid formulas that automatically reject situations falling outside narrow parameters. Unitas takes a different approach. We evaluate each investment on its individual merits, considering property fundamentals, market conditions, your experience level, and exit strategy to structure creative solutions. Our underwriting team has deep construction knowledge and real estate roots, enabling us to understand complex deals and find paths to approval that standardized bank algorithms miss. When other lenders say no, we ask questions and figure out how to make your deal work.

  3. Certainty from a Direct Lender
    As a direct lender, Unitas owns the capital we lend. We don't broker loans to third parties or rely on secondary market sales to fund your project. This means when we say yes, it truly means yes. You won't experience last-minute funding failures or surprise term changes because we control the entire lending process. During market volatility when conduit lenders face capital constraints, our direct lending model provides consistent, reliable funding. This certainty matters when you're competing for properties, managing construction timelines, or coordinating complex transaction closings.

  4. Faster Funding, Faster Draws
    Speed matters at every stage of your investment, not just at closing. Unitas processes draw requests in 24 to 48 hours after inspection completion, keeping your renovation or construction projects moving forward without capital delays. Our streamlined draw process uses third-party inspections and detailed budget tracking to release funds quickly while maintaining appropriate project oversight. Most projects require approximately 10 draws throughout the construction timeline. Unlike lenders who impose arbitrary draw limits or slow approval processes, we understand that project momentum depends on responsive capital deployment.

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Get Pre-Approved in 24 Hours!
Ready to move on to your next Virginia Beach investment property? Complete our simple application to receive pre-approval in as little as 24 hours. Our team will review your project details, discuss your investment strategy, and provide clear terms with transparent pricing. Whether you're analyzing your first fix-and-flip opportunity or closing your twentieth rental acquisition, Unitas Funding provides the capital and partnership you need to succeed in Virginia Beach's competitive real estate market.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas Funding finances residential investment properties including single-family homes, multifamily residential buildings, condominiums, and townhomes used for fix-and-flip projects, rental income, or new construction. We provide business-purpose loans to LLCs and corporate entities for properties throughout Virginia Beach, Norfolk, Chesapeake, Hampton, Newport News, and surrounding Hampton Roads communities. We do not finance owner-occupied residential properties or consumer-purpose loans. Our lending focuses exclusively on real estate investors using properties for business investment purposes including fix-and-flip resale, long-term rentals, short-term vacation rentals, mid-term corporate housing, and ground-up construction for sale or rental income.

How quickly can you close on a Virginia Beach investment property?

Unitas Funding closes qualified loans in as little as 10 business days with a complete application file. We provide pre-approvals in 24 hours and final underwriting approval typically within 3 to 5 business days, depending on title clearance and property valuation completion. Our streamlined process focuses on property fundamentals and deal structure rather than extensive personal financial documentation, enabling faster decisions. Actual closing timelines vary based on title complexity, appraisal scheduling, and documentation completeness, but our direct lending model eliminates third-party approval delays that extend traditional bank timelines to 30 to 45 days or longer.

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

Unitas Funding offers loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects, covering both acquisition and renovation costs in a single loan package. Actual LTC ratios depend on property type, location within Virginia Beach and Hampton Roads, borrower experience, project scope, and after repair value relative to total investment. Our underwriting evaluates your exit strategy, comparable sales data, renovation budget, and timeline to determine appropriate leverage. Our Virginia Beach hard money lenders structure each loan individually based on deal-specific factors rather than applying rigid formulas, providing flexibility to maximize your capital efficiency while maintaining appropriate risk parameters.

Do you require personal income verification for DSCR loans?

No. Unitas Funding's DSCR loans qualify based on property cash flow and debt service coverage ratio rather than personal income verification. We do not require W-2s, tax returns, or employment documentation for DSCR loan approval. Our underwriting focuses on the rental property's ability to generate sufficient income to cover debt service, using actual lease agreements or market rent analysis to determine cash flow. This asset-based approach streamlines approval for real estate investors with complex tax situations, self-employment income, or large portfolios where personal income documentation creates unnecessary barriers. We do require business entity formation and standard property documentation.

What areas of Virginia Beach do you serve?

Unitas Funding serves all Virginia Beach neighborhoods and surrounding Hampton Roads communities including Norfolk, Chesapeake, Hampton, Newport News, Suffolk, Portsmouth, and Williamsburg. We finance investment properties throughout Tidewater Virginia, from oceanfront districts and Town Center to suburban neighborhoods in Kempsville, Great Neck, and Princess Anne. Our lending extends across Virginia with expertise in local market conditions, property values, and neighborhood dynamics that inform our underwriting decisions. As a nationwide lender, we also serve real estate investors in markets beyond Virginia, excluding certain states where we operate as a wholesale lender only.

Ready to Fund Your Next Virginia Beach Real Estate Investment?

Contact Unitas Funding today to discuss your investment property financing needs. Our experienced team understands Virginia Beach real estate markets and provides personalized guidance from pre-approval through final draw completion. Whether you're planning your first fix-and-flip project or expanding a rental portfolio, we offer the speed, flexibility, and institutional backing to help you compete and succeed. Call our Virginia Beach hard money lenders now or submit your application online to get started with pre-approval in 24 hours.

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