Virginia Hard Money Loans

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Hard money lenders in Virginia Beach, Norfolk, Greensboro and the entire state
Rates will vary for new and veteran flippers
Bad and poor credit won’t prevent house flip funding
Low cash and no cash to close possible

Virginia Hard Money Loans So You Can Get Started Flipping Houses & More!

Virginia Property Under Contract?

Do you have a great property already under contract? Is the next step for you a Virginia hard money loan so you can get going? Give us a call. We have a variety of loan options for all types of Virginia real estate investments – fix and flip rehab projects, rental property loans- we can even refinance for you. Apply here.

Hard Time Finding Properties?

Finding the deeply discounted properties necessary to do a profitable flip is not just a matter of jumping on the MLS or even calling an agent. This is often the hurdle that discourages many new investors, they don’t understand how to find and recognize the right kind of property. We have so many expert solutions, webinars and curriculum that gives you many strategies to try and see what works in your market and resources.

Need Help Getting Started?

We LOVE working with new investors…  Our Find-Fund-Flip System includes everything you need to become a pro investor… and we have the capital to fund your deal once you’ve found it- at up to 100% of the purchase, rehab and even loan costs!

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Not All Hard Money Lenders In Virginia Can Offer 100% Funding

Are you looking to invest in lucrative Virginia deals? Do Hard Money can provide direct funding and help you get a hard money loan quickly for your next real estate investing deal or refinance property in the Old Dominion State.
Do Hard Money will approve your asset-based loan completely by assessing the property not you as the borrower. A true hard money lender will base your loan approval on the investment property and the overall quality of the deal. Once we’ve evaluated the property, the LTV (loan to value) ratio of the deal will determine your loan amount. This loan amount, combined with our gap funding resources, can make it possible for you to get 100% Financing on your deal.

Virginia Hard Money Loan Terms For Directly Funded Fix and Flip Investments

What Kind of Funding Is Available?

  • Up to 100% Financing Available
  • We fund up to 70% of the ARV
  • Minimum ARV of $70,000
  • No minimum loan amount
  • Maximum loan amount $250,000
  • Loan term 5 months

What Will It Cost?

  • Interest starting at 1.25% per month
  • Origination starting at 5.5%
  • No monthly payments
  • No and low cash to close options available
  • Gap financing allowed
  • No pre-payment penalty

Why Use DoHardMoney?

  • Full disclosure at time of loan offer
  • Proprietary foreclosure protection
  • No experience required
  • No minimum credit score required
  • Simultaneous deals allowed

Love these guys. Nothing but the best. I have never had a complaint. Do Hard Money rocks!

David D., Foster, VA.

* DHM gladly fund hard money loans directly to borrowers in Virginia, but does not guarantee that each or any particular deal funded will result in profit.

Can I Get Other Kinds of Virginia Hard Money Loans?

Virginia Fix & Flip Loans
  • Options for both new/experienced investors, so you can flip a house even if you’ve never done it before.

  • Choose from low cash-to-close/lower rates. The house flipping options we provide cover a range of investor needs.

  • Loan based on after repair value, not your income or credit worthiness. WE can even give you a rehab loan if your credit is bad.

Virginia Refinance Loans
  • Options for both new/experienced investors – we can even consider cross collateralization in some cases.

  • Cash out or no cash out – you decide how you want to structure the loan to best meet your needs

  • 50%-65% ARV depending on property

Virgina Rental Loans
  • These loans require experience. You must currently own at least one rental property, although it need not be located in VA.

  • 1-4 unit properties can qualify for funding

  • Up to 80% LTV

My Credit is Poor, Can I Still Get a Virginia House Flipping Loan?

We’re excited to say that the answer to your questions is yes. We created our Find-Fund-Flip System to help house flippers like you with bad credit.

Recently Funded Deals

How Does 100% Financing Work?

Related Blog Posts and Articles

Virginia Real Estate Market Statistics (2015)

Virginia is one of the most beautiful states on the east coast, home to the Blue Ridge Mountains and the Chesapeake Bay. One of the original thirteen colonies, Virginia is rich with historic sites and gorgeous natural landmarks. As a result, the real estate market in Virginia has remained solid throughout the years, with home values increasing by 2.2% and home flips rising by 2% in the past year. Currently, the market is starting to slow down, which means great news for investors looking for properties to purchase at a lower cost. You’ll be able to find fantastic deals and resell the property for an excellent return on your investment as the market heads back on the upward swing. According to, “The average sales price of homes throughout Northern Virginia remain much higher than the national average.”

Housing Units
Number of Flips
% Change in Flips

Purchase Price

National Average: $294,600
Virginia Metro Areas: $300,992

Gross Margin

National Average: $55,000
Virginia Metro Areas: $66,329

Number of Houses Flipped

National Average: 179,778
Virginia Metro Areas: 7,323

% Change in Houses Flipped

National Average: 0.2%
Virginia Metro Areas: 2%

Virginia Real Estate Investing Resources

Virginia Beach Area Real Estate Groups on MeetUp

Some Virginia Data and Statistics

About Hard Money Loans in Virginia

Hard money loans are also called private money loans or bridge loans. All three terms refer to the same type of loan. The money from Virginia hard money loans comes from private investors (hence the “private money” term).

For real estate investment properties in Virginia, we will lend up to 65% of the after repair value (ARV) of the subject property. This percentage represents what is called the loan to value ratio. We also have gap financing options for Virginia if you need 100% financing on your deal.

Basing loan amounts on the after repair value of an investment property is just one of the things that makes hard money lenders different from traditional lenders who will only lend on the “as is” value of a property. As you can image, getting loans only on the as-is value of a property would make certain types of investing difficult or impossible, such as with flipping houses.

In addition to lending on the ARV of the property, we will not check your credit score or other financials to approve your loan. This makes your loan approval much faster and simpler than with a traditional lender.

DoHardMoney accepts hard money loan applications for residential loans and home refinance loans. The majority of our loans tend to be rehab loans for real estate investors.

Real Estate Investing in Virginia

For the last several years, Virginia has had more real estate investment hot spots than it has sites of Civil War battles (and that’s really saying something). It continues to be one of the best places for real estate investing in the country.

We are ready to offer Virginia hard money loans for real estate investment deals in the following high profit Virginia cities and counties:

Alexandria, Annandale, Arlington, Baileys Crossroads, Blacksburg, Bon Air, Botetourt County, Bristol, Bull Run, Burke, Cave Spring, Centreville, Chantilly, Charlottesville, Chesapeake, Chester, Chesterfield Country, Christiansburg, Colonial Heights, Covington, Culpeper, Dale City, Danville, East Highland Park, Fairfax, Falls Church, Fort Hunt, Franconia, Franklin, Fredericksburg, Frederick Country, Front Royal, Glen Allen, Gloucester Point, Great Falls, Groveton, Hampton, Hampton County, Harrisonburg, Herndon, Highland Springs, Hollins, Hopewell, Huntington, Hybla Valley, Idylwood, Jamestown district, Jefferson, Lake Barcroft, Lake Ridge, Lakeside, Laurel, Leesburg, Lexington, Lincolnia, Lorton, Lynchburg, Madison Heights, Manassas, Martinsville, McLean, Mechanicsville, Merrifield, Montclair, Montrose, Mount Vernon, Newington, Newport News, Norfolk, North Springfield, Oakton, Orange County, Petersburg, Pimmit Hills, Poquoson, Portsmouth, Prince William Country, Pulaski, Quantico Station, Radford, Reston, Richmond, Roanoke, Rose Hill, Salem, Seven Corners, South Franklin County, Springfield, Spotsylvania County, Staunton, Stuarts Draft, Suffolk, Timberlake, Tuckahoe, Tysons Corner, Vienna, Vinton, Virginia Beach, Virginia Beach County, Warrenton, Waynesboro, West Gate, West Springfield, Williamsburg, Winchester, Wolf Trap, Woodbridge, Wyndham, Wytheville, Yorkshire, and many more.

What a list! Not many states in the nation compare to Virginia when it comes to opportunities to flip houses. Virginia may be called “The Birthplace of the Nation”, but if you choose to invest there, you’ll be calling it “The Birthplace of Your REI Success.”