A creative hard money lender
Fix-and-flip private lending
WCLD provides private hard money loans for real estate investors buying, rehabbing, and reselling properties in Arlington, VA. We review ARV, rehab scope, and exit strategy for deals across Arlington's competitive single-family and townhome market.
Arlington County is one of the most competitive real estate markets in the DMV. With limited land, high buyer demand driven by proximity to federal employment centers and Metro access, and a deep pool of motivated buyers, finished product in Arlington commands premium prices. Investors working here operate with high purchase prices, precise margins, and consistently strong absorption when the product is right.
WCLD reviews deals across Arlington neighborhoods including Aurora Highlands, Clarendon, Lyon Village, Shirlington, Nauck, Cherrydale, Ballston, Green Valley, Bluemont, Douglas Park, and Westover. Single-family home ARVs in Arlington typically run $700,000 to over $1,400,000 depending on location and size. Townhomes in the $600,000 to $900,000 range represent the most common fix-and-flip inventory. Loan requests for Arlington deals typically fall between $400,000 and $900,000.
Rehab scope in Arlington often involves full kitchen and bath renovations, basement finishing, and exterior improvements. Older Cape Cod and Colonial-style homes in core neighborhoods respond well to modernization. Teardown-and-rebuild is also active in Arlington, particularly on large lots or in neighborhoods where comparable new construction supports an ARV above $1,200,000.
Buyers in Arlington are sophisticated and quick to compare renovated product against new construction at similar price points. Properties with easy Metro access — particularly along the Blue, Orange, and Silver Line corridors — and walkability to Clarendon, Ballston, or Crystal City pull the strongest offers. Investors who spec to the buyer pool with high-quality finishes at mid-to-upper price points consistently see competitive multiple-offer situations within the first weekend of listing.
A representative Arlington deal: purchase price $490,000, rehab budget $115,000, total project cost approximately $605,000. ARV supported by recent comps at $870,000. Gross spread approximately $265,000, with net profit around $155,000 to $180,000 after holding costs, loan fees, and commissions. WCLD focuses on whether the ARV is well-supported and whether the full scope is properly budgeted before structuring any loan.
WCLD reviews deals throughout Arlington County including the denser urban core neighborhoods near Metro and the quieter residential areas further out. The key factors are ARV supportability, scope realism, and exit liquidity — not neighborhood exclusions. A strong deal in any Arlington sub-market gets a serious look.
WCLD can review spec construction and teardown-rebuild projects in Arlington on a case-by-case basis. These deals require clear entitlements, a detailed construction budget, and a realistic ARV supported by comparable new construction sales. Call first to walk through the project before submitting an application.
When the deal is properly documented and title is clean, WCLD can close in 3 to 4 business days after term approval. Arlington deals often involve higher purchase prices and more complex scopes, so having a detailed rehab budget and clear title ready before the call speeds up the process significantly.
WCLD looks at collateral, purchase price, after-repair value, budget, borrower experience, liquidity, title, timeline, and exit strategy. Loan amounts commonly fall between $150,000 and $1,000,000, and leverage may reach 70% to 80% loan-to-cost depending on the project and borrower strength.
When due diligence is complete, WCLD can often close within 3 to 4 days after title binder and term approval. Eligible rehab draws can often be funded within 48 hours after WCLD inspection, depending on project status and documentation.
Use the WCLD Deal Analysis Calculator to review ARV, rehab budget, holding time, ROI, and projected profit before you commit to a project.
Call 703-350-4339 first. If it is easier, send the property address, purchase price, rehab or construction budget, ARV, and timeline through the contact form.
Loan terms, leverage, draw timing, and closing speed depend on collateral, title, borrower strength, project scope, market conditions, and WCLD underwriting. This page is informational and is not a commitment to lend.