© WHERE WE LEND ALEXANDRIA · VA
HARD MONEY LENDER ALEXANDRIA
Hard money for Alexandria and the City of Alexandria: written terms first, wire in five to seven days.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Alexandria sits on the Potomac just below the District line and trades like an inner-ring Washington market with a history of its own. Old Town keeps Federal and Victorian brick rowhouses, Del Ray is the bungalow belt, and Potomac Yard is being rebuilt around new rail and a Virginia Tech campus. Federal, legal, and contractor households move often but rarely leave.
Investment property in Alexandria qualifies under every program listed here, and so does property in Washington, Bowie and Rockville. the City of Alexandria is one line on a term sheet, not a separate approval process.
An Alexandria investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside a week.
© THE COST ALEXANDRIA · VA
WHAT DO ALEXANDRIA HARD MONEY LOANS COST
There is no Alexandria rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
An Alexandria file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those are the published ranges, not a teaser. Where an Alexandria deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT ALEXANDRIA · VA
WHY LOAN GOAT IN ALEXANDRIA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Working with a direct lender on an Alexandria deal removes the layers. There is no broker marking up the file, no correspondent shopping it and no investor behind the investor. One lender, its own capital, one set of terms.
Old Town runs on brick rowhouses from the Federal and Victorian eras, Del Ray on 1920s through 1940s bungalows, and the West End on mid-century garden apartment co-ops plus newer condo towers. All of it is financeable, purchase, refinance or cash-out.
High-spec renovation in Old Town and bungalow flips in Del Ray both find buyers. Condo and garden apartment buy-and-hold suits the transient professional tenant, and repositioning older courts is real work worth doing. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
ALEXANDRIA DEALS, FUNDED FROM SAN DIEGO.
the City of Alexandria files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS ALEXANDRIA · VA
MOST COMMON ALEXANDRIA LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Alexandria replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in the City of Alexandria funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on an Alexandria property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Alexandria investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Alexandria foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Alexandria file here.
- NON-WARRANTABLE CONDOS Condos in Alexandria that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Alexandria investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Alexandria, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for an Alexandria offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN ALEXANDRIA
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES ALEXANDRIA · VA
PROPERTY TYPES WE FINANCE IN ALEXANDRIA
- INDUSTRIAL & WAREHOUSE Industrial and last-mile logistics property in the City of Alexandria on bridge terms.
- MANUFACTURED HOMES Manufactured housing and park acquisitions in the Alexandria market.
- ASSISTED LIVING Assisted living and residential care facilities in Alexandria, purchase or refinance.
- AGRICULTURAL Working farmland in the City of Alexandria financed where a bank will not.
- CANNABIS the City of Alexandria cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the Alexandria market.
© THE APPROACH ALEXANDRIA · VA
HOW WE LEND IN ALEXANDRIA
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why an Alexandria borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
ALEXANDRIA BORROWERS, IN THEIR WORDS
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I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES
© QUESTIONS ALEXANDRIA · VA
ALEXANDRIA HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Alexandria and across the City of Alexandria on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Alexandria files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on an Alexandria deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across the City of Alexandria. Owner-occupied has its own program. If the Alexandria asset produces or will produce value, there is usually a structure for it.
Property types -
Loan Goat funds renovation and bridge deals in Alexandria on a five to seven day timeline. The city is an independent Virginia jurisdiction bordering Arlington and the District, and its historic rowhouse projects rarely fit a bank template, so we underwrite the property and the exit instead. Up to 75% LTV on bridge, minimal documentation, no prepayment penalty.
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The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND ALEXANDRIA · VA
ALEXANDRIA, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE ALEXANDRIA · VA
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