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Hard Money & DSCR Loans in Washington, DC

The DC metro is one of the most competitive investor markets in the country. We close like cash.

Pimlico Capital funds bridge and 30-year DSCR rental loans across Washington, DC and the surrounding metro. We close in as little as 5 business days because our underwriting, legal, and title relationships are local. If a seller wants a cash-equivalent close on a Capitol Hill rowhouse or a Petworth flip, we're the lender who can deliver.

Get a Quote for a Washington, DC Deal Call (410) 855-4600
Washington, DC city skyline
Washington, DC
2010Founded in Baltimore, lending DC since
5 daysTypical close on DC bridge deals
10+DC neighborhoods we know cold
Loan Products Available in Washington, DC

What We Fund Here

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

Short-term

Bridge & Fix-and-Flip

  • Up to 90% of purchase, 100% of rehab
  • 6–18 month terms, extensions available
  • Close in as little as 5–7 business days
  • $75K minimum, $3M maximum
Bridge loan details →
Long-term

30-Year Rental (DSCR)

  • Up to 80% LTV on purchase or rate & term refi
  • 30-year fixed amortization
  • No personal income documentation
  • $75K – $1.5M per property, portfolio loans available
DSCR rental details →
Neighborhoods We Know

DC Neighborhoods We Fund

Active book and on-the-ground knowledge — fix-and-flip, BRRRR, and 30-year DSCR holds across Washington, DC.

Capitol Hill

Historic rowhouses with strong ARV ceilings. Reno rules can be strict — we underwrite around historic district overlays cleanly.

Petworth

Active fix-and-flip market. Walkable, transit-adjacent, steady investor demand and reliable comps.

Brookland

Brick rowhouses near CUA. Strong DSCR rental territory with consistent tenant demand.

Anacostia & Hill East

Value-add neighborhoods with rising ARVs. We know which blocks comp and which don't.

NoMa

New construction and conversion plays. Higher entry price points, premium DSCR cash flow.

Shaw

Walkable, transit-adjacent. Mix of historic rowhouses and condo conversions.

Columbia Heights

Diverse housing stock from rowhouses to small multifamily. Solid DSCR rental fundamentals.

H Street Corridor

Active fix-and-flip and rental investor market. Strong rent-to-price spreads.

Trinidad

Emerging fix-and-flip territory east of H Street. Good entry-level deal sizes.

Deanwood & Ward 7/8

Bridge and rental opportunities for investors who know the market and the comps.

Local Expertise

What we actually know about Washington, DC

A non-exhaustive list of the Washington, DC-specific things we deal with every day.

  • DC's recordation and transfer tax structure (and how to model it into your exit).
  • Historic district overlays in Capitol Hill, Anacostia, and beyond.
  • DC TOPA (Tenant Opportunity to Purchase Act) — how it affects closings on occupied properties.
  • BBL (Basic Business License) requirements for DSCR rental holds.
  • Section 8 / DCHA underwriting for stabilized rental properties.
  • Vacant and blighted property tax classifications (and how to plan around them).

Why local knowledge matters

A national lender with a call center won't know that a Washington, DC deal has its own underwriting quirks. We've closed thousands of deals across our footprint — and we've learned from every local curveball.

See real deals →
Common Questions

Washington, DC Lending FAQ

Do you lend in Washington, DC?
Yes. DC is one of our core markets. We fund both bridge / fix-and-flip and 30-year DSCR rental loans across all DC quadrants and wards.
How fast can you close on a DC deal?
We've closed bridge loans in DC in as little as 5 business days. Our title and legal relationships are local, which is why we move faster than out-of-market lenders.
Do you fund historic-district properties in DC?
Yes. We routinely fund rehab projects in Capitol Hill, Anacostia historic districts, and other overlay zones. We know which approvals will move and how to underwrite the timeline.
Can you fund a DSCR rental in DC with a Section 8 / DCHA voucher tenant?
Absolutely. Our 30-year DSCR program qualifies on the property's rental income, which includes DCHA voucher payments. No personal W-2 required.
Do you work with DC TOPA situations?
We can — case by case. TOPA can extend a closing timeline, and we work with experienced DC counsel to underwrite around it cleanly when the deal works.
What ARV range do you fund in DC?
We fund bridge loans from $75K up to $3M. Most DC fix-and-flip projects we see fall in the $400K–$1.2M ARV range, and we underwrite that range routinely.
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 market knowledge, not a scoring algorithm.

3

Close & fund

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

Investor Education

From the Blog

Investor playbooks — bridge, DSCR, BRRRR, and rehab fundamentals — from our team. See every market we serve on our Where We Lend page.

Ready to close a deal in Washington, DC?

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

Get a Washington, DC rate Call (410) 855-4600

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