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 across Montgomery County, MD. We review ARV, scope, and exit strategy for deals in Bethesda, Silver Spring, Rockville, and surrounding Maryland communities.
Montgomery County is the largest county in Maryland by population and one of the most active real estate investment markets in the DMV. The county spans a wide range of price points — from the high-end Bethesda and Chevy Chase corridors where single-family homes regularly sell above $1,000,000, to more accessible markets in Silver Spring, Rockville, and Germantown where ARVs frequently fall between $400,000 and $700,000. Investors who understand sub-market distinctions within Montgomery County consistently build stronger deal models.
WCLD reviews deals across Montgomery County including Bethesda, Chevy Chase, Silver Spring, Rockville, Gaithersburg, Germantown, Kensington, Wheaton, Olney, and Takoma Park. The most active investor markets are the transitional neighborhoods in Silver Spring and Wheaton, where older Colonial and Cape Cod homes offer substantial upside when brought to current market standards. Loan requests for most Montgomery County deals fall between $250,000 and $700,000.
Rehab scope in Montgomery County varies by sub-market. In Silver Spring and Wheaton, full kitchen and bath renovations with flooring and exterior updates are the norm. In Bethesda and Chevy Chase, buyers at higher price points expect premium finishes throughout — high-end appliances, spa-style primary baths, and landscaping. Matching the finish level to the buyer pool at each specific sub-market is critical to selling quickly and preserving margin.
Buyer demand in Montgomery County is sustained by proximity to DC, strong school districts, and a large employer base including federal agencies, biotech, and healthcare. Properties that hit the right finish level and are priced within 5% of well-supported comps typically close in under 30 days. The Red Line Metro corridor (Bethesda, Silver Spring, Wheaton, Rockville, Shady Grove) creates a strong premium for walkable, transit-accessible properties over comparable product farther out.
A representative Montgomery County deal in the Silver Spring sub-market: purchase price $370,000, rehab budget $85,000, total project cost approximately $455,000. ARV supported by recent renovated comps at $660,000. Gross spread approximately $205,000, with net profit around $115,000 to $135,000 after holding costs, loan fees, and commissions. WCLD reviews whether the ARV is current and whether the full scope is accounted for before structuring the loan.
WCLD reviews deals across Montgomery County including Silver Spring, Bethesda, Rockville, Gaithersburg, Germantown, and areas further out. The primary criteria are ARV supportability and exit liquidity in the specific sub-market. Deals in slower-moving outer suburbs are evaluated individually based on current absorption data.
Yes. WCLD reviews deals in Bethesda and Chevy Chase where ARVs may run above $1,000,000. These deals require clear comparable support at the projected ARV and a finish scope that matches buyer expectations at that price point. Loan amounts above $750,000 are reviewed individually.
WCLD can structure draw-funded rehab loans for Montgomery County projects. Draws are typically funded within 48 hours after WCLD inspection. Having a detailed scope breakdown and a licensed contractor in place before the initial call significantly speeds up the loan setup process.
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.