Where We Lend

Hard Money & Rental Loans in Virginia

From NoVA townhomes to Tidewater rentals.

Virginia is one of our most active markets, from DC-suburb flips in Fairfax and Prince William to stabilized rental portfolios in Richmond and Hampton Roads. We understand Virginia's deed-of-trust structure, the difference between a judicial and non-judicial foreclosure posture, and why a Richmond rowhouse underwrites very differently than a Norfolk duplex.

Richmond, Virginia skyline at dusk
Richmond, VA
$150M+Deployed in VA
40+Cities & counties
12 yrsLending in Virginia
Loan Products Available in Virginia

What We Fund Here

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Markets We Cover

Cities & Counties We Know

Where Pimlico Capital has an active book and on-the-ground knowledge in Virginia.

Northern Virginia

Fairfax, Loudoun, Prince William, Arlington, Alexandria: higher-price-point flips and new-construction bridge.

Richmond Metro

Church Hill, Fan District, Northside, Manchester, Chesterfield, Henrico: classic rehab and long-term rental plays.

Hampton Roads

Norfolk, Virginia Beach, Chesapeake, Portsmouth, Newport News: strong DSCR rental fundamentals.

Central & Valley

Charlottesville, Lynchburg, Roanoke, Harrisonburg: student and workforce rentals.

Local Expertise

What we actually know about Virginia

A non-exhaustive list of the state- and city-specific things we deal with every day.

  • Virginia deed-of-trust closings via qualified local counsel.
  • Fairfax & Loudoun zoning quirks on accessory dwelling units.
  • Richmond historic-overlay rehab and VHDA programs.
  • Hampton Roads short-term-rental municipal rules.

Why local knowledge matters

A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.

Common Questions

Virginia Lending FAQ

Do you lend on flips in Fairfax or Loudoun?
Yes. We regularly fund six- and seven-figure flips and new-construction bridge loans throughout Northern Virginia.
Can you do a DSCR loan on a Richmond rental?
Yes. Richmond's rent-to-price ratios are strong and we have a deep book of DSCR loans there.
Will you lend in Virginia Beach on a short-term rental?
We underwrite STRs case-by-case. Market rents and municipal STR rules both factor in. Call us and we'll walk through the deal.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Ready to close a deal in Virginia?

Get a quote in 24 hours or call us right now.

Get a Quote Call (410) 855-4600
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