Residential investment financing across the Richmond metro area. Construction loans, DSCR rental financing, bridge loans, fix & flip, and build-to-rent programs for builders and investors in Virginia's capital city.
Richmond is a market that rewards informed investors. With a metro population of approximately 1.3 million and steady growth, Virginia's capital combines the stability of state government employment with a dynamic private sector. VCU and its health system are major employers, while the city's position on the I-95 corridor provides connectivity to Washington, DC (100 miles north) and the Research Triangle (170 miles south). Scott's Addition has emerged as one of the most successful urban revitalization stories in the Mid-Atlantic, and the momentum is spreading to Manchester, Church Hill, and other urban core neighborhoods.
For builders and investors, Richmond offers a balanced market with a median home price around $330K, strong rental demand from university students and healthcare professionals, and active development in both the urban core and suburban ring. Henrico and Chesterfield counties provide deep suburban markets for new construction and rental portfolios, while the city proper offers compelling fix-and-flip and value-add opportunities. Virginia's legal framework is generally favorable for landlords, and proximity to DC creates a steady pipeline of relocating professionals seeking more affordable housing.
We finance residential investment projects across the Richmond metro, including Henrico, Chesterfield, and Hanover counties.
Every loan program we offer is available to qualified borrowers and properties in the Richmond metro.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreRichmond's urban core neighborhoods offer some of the best value-add opportunities on the East Coast. Church Hill and Manchester have older housing stock with strong buyer demand from young professionals priced out of The Fan and Scott's Addition. Acquisition costs of $180K to $280K with $50K to $80K renovation budgets can yield after-repair values in the $320K to $400K range. These walkable neighborhoods benefit from limited supply and Richmond's growing reputation as a destination city.
Richmond's suburban counties offer strong rental demand at accessible price points. Properties in the $260K to $350K range in Short Pump, Glen Allen, Midlothian, and Bon Air command rents of $1,300 to $1,700/month. Henrico County's lower property tax rate (0.87%) compared to the city (1.20%) enhances DSCR ratios. The combination of VCU students, healthcare workers, and state government employees provides a diversified tenant base.
The Short Pump corridor and Hanover County (Mechanicsville, Ashland) are seeing increased builder activity as demand for new homes exceeds supply. Builders delivering single-family homes in the $380K to $500K range are finding strong buyer interest from families relocating from Northern Virginia and out-of-state transplants. Available lots and favorable permitting timelines support efficient construction programs.
Our team has deep experience financing residential projects across the Richmond metro. Reach out to discuss your next deal.
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