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 Vienna, VA. We review ARV, scope, and exit strategy for deals across Vienna's active single-family and townhome market in Fairfax County.
Vienna is an established Fairfax County community with a walkable town center, top-rated Fairfax County schools, and strong sustained buyer demand from families and professionals working in Tysons Corner and the broader Northern Virginia technology corridor. The Silver Line Metro (Vienna/Fairfax station on the Orange Line and the nearby Tysons stations) provides commuter access that consistently supports above-average ARVs relative to other Fairfax County sub-markets at comparable distances from DC.
WCLD reviews deals in Vienna and the immediately surrounding area including Oakton, Tysons, and portions of the Vienna corridor along Maple Avenue. Single-family home ARVs in Vienna typically fall between $650,000 and $1,100,000 depending on size, lot, and location relative to the town center and Metro. The most common fix-and-flip candidates are ranch homes and modest colonials from the 1960s and 1970s that occupy good-sized lots but need full renovation to compete with newer construction. Loan requests for Vienna deals typically fall between $350,000 and $750,000.
Rehab scope in Vienna typically includes a full kitchen renovation, primary bath update, additional bath renovations, flooring throughout, HVAC replacement, and exterior work. Vienna buyers at this price point expect contemporary finishes — quartz countertops, large-format tile, updated lighting — and pay close attention to outdoor living space. Properties with well-landscaped yards, decks, and updated curb appeal consistently command the high end of the comp range in Vienna.
Vienna has one of the most consistent buyer demand profiles in Fairfax County. School district quality, proximity to Tysons Corner employment, Orange Line Metro access, and the walkable town center all contribute to sustained demand across market cycles. Finished product at the $650,000 to $900,000 price point moves reliably when it is well-executed and priced to current comps. Investors who deliver turnkey quality with proper outdoor space in Vienna rarely sit on the property for more than a few weeks.
A representative Vienna deal: purchase price $430,000, rehab budget $105,000, total project cost approximately $535,000. ARV supported by recent renovated comps at $770,000. Gross spread approximately $235,000, with net profit around $135,000 to $160,000 after holding costs, loan fees, and commissions. WCLD focuses on whether the ARV reflects current comp data and whether the scope budget accounts for the full finish level required in this market.
Yes — older ranch homes and colonials from the 1960s and 1970s are the most common Vienna fix-and-flip candidates that WCLD reviews. These properties typically have good bones and lot sizes that support the ARV needed to make the deal work. A realistic rehab scope and current comparable support are the key factors in the review.
Most Vienna deals WCLD reviews fall between $600,000 and $1,000,000 in ARV. Properties above $1,000,000 ARV are reviewed individually based on current comparable sales data and buyer pool depth at that price tier. Vienna's market is generally well-supported by sustained demand, which helps ARV reliability.
WCLD can typically close in 3 to 4 business days after reviewing the deal and approving terms, when title is clean and documentation is ready. Vienna is a competitive market with low inventory in good condition — calling WCLD before you go under contract allows you to understand the loan structure and move quickly 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.