Private Lending in Washington, D.C.

Residential investment financing across Washington, D.C.’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in Washington, D.C.

Washington, D.C. represents America's capital and a premier federal employment center with $600,000+ median home prices. The market combines strong institutional capital, international investment, and government workforce stability. Property tax rates are moderate (0.90%), but high property valuations limit DSCR cash-flow models.

For bridge and refinance-focused strategies, D.C. offers strong appreciation, refinance velocity, and institutional capital access. The market is competitive with limited land and high entry barriers. Focus should emphasize acquisition-to-refinance cycles and institutional partnerships.

Lending Areas

Washington, D.C. Markets We Serve

We lend across Washington, D.C.’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Downtown DC Capitol Hill Georgetown U Street Corridor

Loan Programs

Available in Washington, D.C.

Every loan program we offer is available to qualified borrowers and properties in Washington, D.C..

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

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DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

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Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

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New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

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Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

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Key Data

Market Snapshot

Median Home Price

$600,000

Property Tax Rate

0.90%

Population Growth

0.9% annually

Annual Permits

~8,000 annually

Landlord Friendly

Mixed

Top Yield Market

Capitol Hill

Strategies

What Works in Washington, D.C. Right Now

Federal Employee Housing & Professional Rentals

D.C.'s federal employment provides stable tenant base. Acquire properties in federal-adjacent neighborhoods. DSCR financing limited by high values (2–3% cap rates). Focus on appreciation and refinance cycles.

Mixed-Use Development & Institutional Capital

D.C.'s downtown and waterfront support mixed-use and office-to-residential conversion. Partner with institutional capital. Bridge financing for development. Long-term takeout into permanent financing.

Appreciation-Focused Buy & Hold

Limited DSCR cash flow makes hold-for-appreciation the primary strategy. Finance acquisition with bridge; refinance into long-term DSCR with expectation of price appreciation over time.

Questions

Frequently Asked Questions

What are Washington, D.C.'s property tax rates?

D.C. property tax averages 0.90% of assessed value. Moderate relative to regional peers. High property valuations limit DSCR cash-flow returns (2–3% cap rates). Focus on appreciation.

Are there tenant protections in D.C.?

D.C. has strong tenant protections. Just cause is required for eviction. Rent increases are limited to inflation plus 1%. Eviction timelines are 4+ weeks. Consult local counsel carefully.

How do D.C.'s rent control laws affect investors?

D.C. limits rent increases to inflation plus 1% annually. This significantly constrains DSCR cash-flow strategies. DSCR underwriting must account for controlled rent growth.

What DSCR cap rates can I expect in D.C.?

D.C. DSCR cap rates are typically 2–3% due to high valuations and rent control. Focus on appreciation and refinance rather than income generation. Bridge strategies align better with market dynamics.

Other Markets

Also Lending In

Maryland Virginia

Start Your Washington, D.C. Investment

Our team has deep experience financing residential projects across Washington, D.C.. Reach out to discuss your next deal.

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