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 Washington, DC. We review ARV, scope, and exit strategy for rowhouse, single-family, and small multifamily deals in active DC neighborhoods.
Washington, DC is one of the most active fix-and-flip markets in the Mid-Atlantic. The city has a deep stock of aging rowhouses across dozens of neighborhoods, strong end-buyer demand driven by federal employment and institutional activity, and limited new supply. Investors working DC operate in a market where scope accuracy, ARV realism, and permit timeline management determine success.
WCLD reviews deals throughout DC including Petworth, Columbia Heights, Brightwood, Takoma, Brookland, Eckington, Trinidad, Deanwood, Congress Heights, Anacostia, Brightwood Park, Bloomingdale, Shepherd Park, and other active investor neighborhoods. ARV ranges vary across the city: renovated rowhouses in Petworth and Columbia Heights typically sell between $600,000 and $900,000; properties in Anacostia, Congress Heights, and neighborhoods east of the river often fall between $280,000 and $480,000.
Rowhouses are the dominant product type for DC fix-and-flip. Most deals involve a full interior gut — kitchen, all baths, flooring, electrical and plumbing updates — plus exterior work. DC-specific contractor requirements, DCRA permit review timelines, and historic preservation considerations in certain neighborhoods are part of every investor's cost and schedule calculation. Experienced DC investors typically build 4 to 8 weeks into the schedule for permit processing depending on scope.
DC buyers in the $550,000 to $850,000 range are active and motivated. Investors who deliver contemporary finishes with functional layouts and proper outdoor space in walkable neighborhoods see quick closings. Metro access — especially Red, Green, and Yellow Lines through the northern quadrants — is a significant ARV driver. Neighborhoods with strong coffee shop, restaurant, and retail density command higher per-square-foot prices and shorter days on market when the product is priced accurately.
A representative DC rowhouse deal: purchase price $335,000, full gut rehab budget $110,000, total project cost approximately $445,000. ARV in the neighborhood supported at $660,000 by recent renovated comps. Gross spread approximately $215,000, with net profit around $120,000 to $145,000 after holding costs, commissions, and loan fees. WCLD reviews whether the ARV is supported by current data and whether the full scope — including permit costs and contingency — is in the budget.
WCLD reviews deals across Washington, DC including Wards 1, 4, 5, 6, 7, and 8. The primary criteria are ARV supportability, exit liquidity, scope realism, and borrower plan. Active investor markets northeast, northwest, and southeast DC all receive consideration. Deals in slower or higher-risk sub-markets are evaluated individually.
Yes. WCLD lends on DC gut rehabs requiring permits. We factor permit timeline into the loan term discussion and can structure draws around construction milestones where applicable. Having a clear scope, a licensed contractor, and pull-ready permit drawings before you call significantly speeds up the review.
WCLD reviews DC deals from $150,000 to $1,000,000 in loan amount. Most DC projects fall between $250,000 and $650,000 in loan size depending on neighborhood and scope. Very high ARV properties above $1,200,000 are evaluated individually based on exit liquidity in that specific price band.
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.