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 Prince George's County, MD. We review ARV, scope, and exit strategy for deals in Hyattsville, Bowie, Laurel, College Park, and throughout PG County.
Prince George's County is the most accessible entry point for fix-and-flip investing in the Maryland portion of the DMV. Lower purchase prices relative to Montgomery County and Northern Virginia, improving sub-markets along the DC border, and growing buyer demand driven by Metro access and affordability create consistent deal flow for investors who know the market. Strong performing neighborhoods exist across the county — the key is matching the scope and finish level to the buyer pool at each price point.
WCLD reviews deals throughout Prince George's County including Hyattsville, College Park, Mount Rainier, Riverdale Park, Bowie, Laurel, Oxon Hill, Bladensburg, Lanham, Capitol Heights, and Upper Marlboro. Renovated ARVs across the county typically range from $280,000 to $500,000 for single-family homes, with DC-border neighborhoods like Hyattsville and Mount Rainier at the higher end. Loan requests for most PG County deals fall between $150,000 and $450,000.
The most active investor neighborhoods in PG County are in the Route 1 corridor — Hyattsville, College Park, Riverdale Park, and Mount Rainier — where proximity to DC and the Green Line Metro drives strong buyer demand. These neighborhoods have seen significant price appreciation and attract buyers priced out of DC and Montgomery County. Rehab scope in most PG County deals involves full kitchen and bath renovation, flooring, and exterior work, with total rehab budgets commonly running $45,000 to $75,000.
Buyer demand in PG County is driven by affordability relative to DC and Montgomery County, Metro access, and improving neighborhood retail and restaurant corridors. Properties in Hyattsville, Mount Rainier, and Riverdale Park sell quickly when priced to current comps and delivered with clean, current finishes. First-time homebuyer demand is strong in this price range — investors who deliver move-in-ready product at a price point that competes with new construction in outer suburbs consistently see fast closings.
A representative PG County deal in the Hyattsville sub-market: purchase price $185,000, rehab budget $55,000, total project cost approximately $240,000. ARV supported by recent renovated comps at $350,000. Gross spread approximately $110,000, with net profit around $65,000 to $80,000 after holding costs, loan fees, and commissions. WCLD focuses on whether the ARV reflects current market data and whether the full scope is realistic for the budget.
WCLD reviews deals throughout Prince George's County. The Route 1 corridor from Hyattsville through College Park and Riverdale Park sees the most consistent deal activity, but WCLD will evaluate deals in Bowie, Laurel, Oxon Hill, Capitol Heights, and other areas based on ARV supportability and exit liquidity in each sub-market.
WCLD reviews deals across the ARV spectrum in PG County. Most deals fall between $250,000 and $500,000 in ARV. Deals below $250,000 ARV are evaluated individually based on scope, margin, and borrower strength. Properties in established investor corridors with active comparable sales receive the fastest review.
Yes. When title is clean and the deal is properly documented, WCLD can close in 3 to 4 business days after term approval. PG County has active investor competition in good sub-markets, so calling WCLD early in the process — before you go under contract — allows for faster execution when you find the right deal.
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.