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201-643-6650

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Our Loan Programs

Fix & Flip

Ground-up

Bridge

Rental

Short-term financing for purchasing and fixing up investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

Apply Now More Info

Build your next investment property from the ground-up

Rates start at 10.25%
No-Points Loans
Close 7-15 days

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Bridge financing to purchase, refinance, or reposition investment properties

Rates start at 10.25%
No-Points Loans
Close 7-15 days

Apply Now More Info

Build a portfolio of rental properties to maximize your passive income

Rates start at 6.875%
No-Points Loans
DSCR from 0.75x

Apply Now More Info

We lend in Fairfax County every day. Homes here sell fast. Wait too long, and the deal is gone. So we built our whole model around three things: speed, certainty, and clean closings. We don’t stall on approvals. We don’t leave you guessing. Our goal is simple. Get you to the closing table in days, not weeks.

Fairfax County moves fast. Inventory is tight across Northern Virginia. Good homes rarely sit for long. When the right one shows up, you may have hours to act, not days. That’s where we come in. Maybe you’re flipping an old colonial in Vienna. Maybe you’re buying a rental near the Silver Line in Reston. Maybe you’re breaking ground on a new build in Lorton. We know these markets, and we fund in them.

We’re a true direct lender. Every decision gets made in-house. No outside committee. No middleman. You work with the people who actually fund your loan. That keeps things clear and steady, from your first call to closing day. It also keeps things fast. Since each step happens under one roof, approvals move quickly, and deals don’t fall apart at the last minute. We look at the true value of your project, not a strict checklist. Every loan gets judged on its own.

What sets us apart:

Speed & Certainty: Close in 7-15 business days, backed by in-house underwriting and funding
No-Points Loan Programs: Keep your cash at closing. Put it toward repairs, new deals, or a bigger portfolio in Fairfax County.
Investor-Focused Underwriting: We look at the asset, your plan, and the upside. Real investing insight, not a rigid formula.

We’ve funded over $1B+ across more than 1450 deals. You don’t reach a number like that from a slick pitch. You reach it from years of real lending. Right here in Fairfax County, we’ve backed fix and flip projects in Annandale, bridge loans in Springfield, and ground-up builds in Chantilly. Our track record isn’t just a stat. It’s the tough spots we’ve worked through for investors like you.

On every hard money loan, we look at the leverage, the repair scope, and how fast the local market moves. That way the money fits your timeline and your exit. It’s a big reason folks keep coming back for the next project, then the one after that. Steady work builds trust, and trust builds portfolios.

Funding is just one piece of a good investment. You also get a team that sticks with you. We walk you through the underwriting, the draw process, and the closing timeline. Nothing catches you off guard. From your first quote to funding and servicing, you get straight answers and clear next steps.

New to this? Maybe it’s your first flip in Burke. Been at it for years? Maybe you’re a developer building in Tysons. Either way, we know the Fairfax County market. You also get a loan portal to track your deal in real time, upload your papers in one secure spot, and check your status whenever you want. You’ll always know where things stand.

We lend across 39+ states. That gives us deep cash reserves and real backing. So we can fund with certainty, even when the market gets rocky. Our size also means speed. It means we can handle almost any project. Need $150,000 for a small flip in Herndon? Done. Working on a multimillion-dollar build in Reston? We’ve got that too.

We also know Fairfax County well. The local rules and permits rarely surprise us. Our footing stays strong through every part of the market cycle, not just the good years. Lending nationwide is what keeps us this close to the deals right here at home.

Hard Money Loans in Fairfax County

Picture two deals. One is a run-down split-level in Annandale that needs a full gut. The other is a clean townhome near Tysons that just needs to close fast, before someone else grabs it. Fairfax County has plenty of both. Competition is fierce. Here, how fast you move your money often decides who wins. Sharp investors use that speed to turn tired homes into strong earners.

So what is a hard money loan? It’s short-term financing backed by real estate. It leans on the property, not your credit score or income. That makes it quick to approve and quick to close, often within 7-15 business days. At Accolend, we underwrite in-house and build each loan around how investors really work. You get same-day term sheets and instant pre-approvals. Ready to make a move in Fairfax County? Start with a free consultation today.

Close in as few as 7 days with a direct lender who knows the market.

Apply Now

Fix and Flip loans in Fairfax County

Our fix and flip loans are made for fast movers. You buy, you renovate, you sell. We fund both the purchase and the rehab, so your cash goes further and you can juggle more projects. Fairfax County pays off for a good flip. Older homes in Vienna, Oakton, and McLean sit on solid, established streets. A smart renovation there resells well. And since we close fast, you spend less time waiting on money. More time swinging hammers while demand is hot.

Leverage: Up to 90% of purchase price and up to 100% of rehab costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Bridge loans in Fairfax County

Sometimes you just need cash to cover a gap. A bridge loan does that. Buy a new property before your old one sells. Steady a building before you set up long-term financing. Or jump on a deal that won’t wait. With instant pre-approvals and same-day term sheets, you can move before the window shuts.

Leverage: Up to 75% of purchase price
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

Construction loans in Fairfax County

Build for a living? You need a lender who gets it. Our construction loans cover the land and the build itself. We fund across Fairfax County’s fastest-growing spots, like Lorton, Chantilly, and Herndon. Ground-up work has a lot of moving parts. Permits. Draw schedules. A budget to hold through every phase. We’ve funded enough builds to know where the snags show up.

Our draw process keeps your job moving, not stuck. Funds go out on schedule, so your crew keeps working and your timeline holds. It’s a great fit for seasoned developers. Single-family, multifamily, or mixed-use, we can back it. Few lenders around here pair this much local know-how with the cash for big builds.

Leverage: Up to 65% of land purchase and up to 100% of construction costs
Rates: Starting at 10.25% with no points
Timeline: Close in 7-15 business days

DSCR loans in Fairfax County

With a DSCR loan, the property qualifies, not your paycheck. There’s no personal income check. Your growth isn’t capped by W-2s or tax returns. It’s capped by the strength of the deal, and that’s it. Use it to buy or refinance. We build the loan around what the property earns each month. Rental demand runs deep in spots like Reston, Herndon, and Annandale. Local jobs and Metro access keep tenants in place. In a buy-and-hold market like this, speed and certainty win.

Leverage: Up to 80%
DSCR Minimum: As low as 0.75x
Rates: Starting from 6.875% with no points

Fix and Flip purchase loan funded for a multifamily property in North Plainfield NJ with $415k loan and $43k construction budget

Fix and Flip | Purchase North Plainfield, NJ Property Type: Multifamily Loan amount: $415,000 Construction Budget: $43,000

Fix and Flip refinance loan funded for a condo in Brooklyn NY with $4M loan and $220k construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Condo Loan amount: $4,000,000 Construction Budget: $220,000

Fix and Flip purchase loan funded for a single family home in Philadelphia PA with $115k loan and $45k construction budget

Fix and Flip | Purchase Philadelphia, PA Property Type: Single Family Residence Loan amount: $115,000 Construction Budget: $45,000

Ground-Up refinance loan funded for a single family home in Westport CT with $2.1M loan and $1.5M construction budget

Ground-Up | Refinance Westport, CT Property Type: Single Family Residence Loan amount: $2,100,000 Construction Budget: $1,500,000

Fix and Flip purchase loan funded for a mixed-use property in Trenton NJ with $530k loan and $315k construction budget

Fix and Flip | Purchase Trenton, NJ Property Type: Mixed-use Loan amount: $530,000 Construction Budget: $315,000

Bridge purchase loan funded for a single family home in Maplewood NJ with $412k loan for 2-unit property

Bridge Loan | Purchase Maplewood, NJ Property Type: Single Family Residence Loan amount: $412,000 Unit Count: 2

Fix and Flip purchase loan funded for a triplex in Jacksonville FL with $290k loan and $123k construction budget

Fix and Flip | Purchase Jacksonville, FL Property Type: Triplex Loan amount: $290,000 Construction Budget: $123,000

Fix and Flip purchase loan funded for a multifamily property in New Brunswick NJ with $920k loan and $310k construction budget

Fix and Flip | Purchase New Brunswick, NJ Property Type: Multifamily Loan amount: $920,000 Construction Budget: $310,000

Bridge purchase loan funded for a multifamily property in Orange NJ with $1.6M loan for 11-unit building

Bridge Loan | Purchase Orange, NJ Property Type: Multifamily Loan amount: $1,600,000 Unit Count: 11

Rental cashout loan funded for a mixed-use property in Pemberton NJ with $605k loan for 6-unit property

Rental | Cashout Pemberton, NJ Property Type: Mixed-use Loan amount: $605,000 Unit Count: 6

Ground-Up purchase loan funded for townhouses in Ridgefield NJ with $3M loan and $2.115M construction budget

Ground-Up | Purchase Ridgefield, NJ Property Type: Townhouses Loan amount: $3,000,000 Construction Budget: $2,115,000

Ground-Up cashout loan funded for a duplex in Irvington NJ with $465k loan and $407k construction budget

Ground-Up | Cashout Irvington, NJ Property Type: Duplex Loan amount: $465,000 Construction Budget: $407,000

Fix and Flip refinance loan funded for a multifamily property in Brooklyn NY with $2.675M loan and $2.25M construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Multifamily Loan amount: $2,675,000 Construction Budget: $2,250,000

Ground-Up purchase loan funded for a condo in Jersey City NJ with $850k construction budget

Ground-Up | Purchase Jersey City, NJ Property Type: Condo Loan amount: $338,000 Construction Budget: $850,000

Rental cashout loan funded for a single family home in Jersey City NJ with $437k loan and DSCR 1.08

Rental | Cashout Jersey City, NJ Property Type: Single Family Residence Loan amount: $437,000 DSCR: 1.08

Accolend funded Ground-Up purchase loan for a single family home in Short Hills NJ with $2.37M loan and $1.4M construction budget

Ground-Up | Purchase Short Hills, NJ Property Type: Single Loan amount: $2,375,000 Construction Budget: $1,400,000

Fix and Flip purchase loan funded for a condo in Medford MA with $965k loan and $240k construction budget

Fix and Flip | Purchase Medford, MA Property Type: Condo Loan amount: $965,000 Construction Budget: $240,000

Ground-Up purchase loan funded for a single family home in Columbus OH with $250k loan and $250k construction budget

Ground-Up | Purchase Columbus, OH Property Type: Single Loan amount: $250,000 Construction Budget: $250,000

Accolend funded Fix and Flip cash-out loan for a single family home in Riverview FL with $245k loan and $85k construction budget

Fix and Flip | Cashout Riverview, FL Property Type: Single Loan amount: $245,000 Construction Budget: $85,000

Fix and Flip purchase loan funded for a single family home in Commack NY with $980k loan and $250k construction budget

Fix and Flip | Purchase Commack, NY Property Type: Single Loan amount: $980,000 Construction Budget: $250,000

Bridge loan funded for a 23-unit multifamily property in Newark NJ with $2M loan

Bridge Loan | Purchase Newark, NJ Property Type: Multifamily Loan amount: $2,000,000 Unit Count: 23

Fix and Flip purchase loan funded for a single family home in Northridge CA with $990k loan and $400k construction budget

Fix and Flip | Purchase Northridge, CA Property Type: Single Loan amount: $990,000 Construction Budget: $400,000

Accolend funded Fix and Flip cash-out loan for a mixed-use property in Newark NJ with $5M loan and $1.1M construction budget

Fix and Flip | Cashout Newark, NJ Property Type: Mixed-use Loan amount: $5,000,000 Construction Budget: $1,100,000

Bridge cash-out loan funded for a 36-unit mixed-use property in Jersey City NJ with $8.6M loan

Bridge Loan | Cashout Jersey City, NJ Property Type: Mixed-use Loan amount: $8,600,000 Unit Count: 36

Accolend funded Fix and Flip loan for single family home in New Windsor NY with $330k loan and $90k construction budget

Fix and Flip | Purchase New Windsor, NY Property Type: Single Family Residence Loan amount: $330,000 Construction Budget: $90,000

Accolend funded Bridge loan for multifamily property in Irvington NJ with $2.83M loan for 18-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $2,830,000 Unit Count: 18

Accolend funded Ground-Up cashout loan for single family home in San Clemente CA with $2.7M loan & $2.06M construction budget

Ground-Up | Cashout San Clemente, CA Property Type: Single Family Residence Loan amount: $2,700,000 Construction Budget: $2,060,000

Accolend funded rental cashout loan for single family home in Monroe NY with $300k loan and DSCR 1.25

Rental | Cashout Monroe, NY Property Type: Single Family Residence Loan amount: $300,000 DSCR: 1.25

Fix and Flip loan funded for single family home in Westfield NJ with $1.05M loan and $380k construction budget

Fix and Flip | Purchase Westfield, NJ Property Type: Single Family Residence Loan amount: $1,050,000 Construction Budget: $380,000

Bridge loan funded for multifamily property in Irvington NJ with $3.08M loan for 19-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $3,080,000 Unit Count: 19

Ground-Up cashout loan funded for single family home in Philadelphia PA with $1.43M loan and $1.26M construction budget

Ground-Up | Cashout Philadelphia, PA Property Type: Single Family Residence Loan amount: $1,430,000 Construction Budget: $1,256,000

Rental cashout loan funded for single family home in Dallas TX with $165k loan and DSCR 1.12

Rental | Cashout Dallas, TX Property Type: Single Family Residence Loan amount: $165,000 DSCR: 1.12

Fix and Flip loan funded for single family home in Union NJ with $410k loan and $70k construction budget

Fix and Flip | Purchase Union, NJ Property Type: Single Family Residence Loan amount: $410,000 Construction Budget: $70,000

Fix and Flip loan funded for single family home in Los Angeles CA with $2,000,000 loan and $600,000 construction budget

Fix and Flip | Purchase Los Angeles, CA Property Type: Single Family Residence Loan amount: $2,000,000 Construction Budget: $600,000

Fix and Flip loan funded for single family home in Lafayette LA with $150,000 loan and $131,000 construction budget

Fix and Flip | Cashout Lafayette, LA Property Type: Single Family Residence Loan amount: $150,000 Construction Budget: $131,000

Fix and Flip loan funded for single family home in Millburn NJ with $1,100,000 loan and $450,000 construction budget

Fix and Flip | Purchase Millburn, NJ Property Type: Single Family Residence Loan amount: $1,100,000 Construction Budget: $450,000

Fix and Flip cashout loan funded for mixed-use property in Bronx NY with $5,950,000 loan and $5,600,000 construction budget

Fix and Flip | Cashout Bronx, NY Property Type: Mixed-use Loan amount: $5,950,000 Construction Budget: $5,600,000

Fix and Flip loan funded for single family home in Montclair NJ with $2,800,000 loan and $825,000 construction budget

Fix and Flip | Purchase Montclair, NJ Property Type: Single Family Residence Loan amount: $2,800,000 Construction Budget: $825,000

Bridge loan funded for multifamily property in East Orange NJ with $4,700,000 loan for 25-unit building

Bridge Loan | Refinance East Orange, NJ Property Type: Multifamily Loan amount: $4,700,000 Unit Count: 25

Bridge loan funded for single family home in Dix Hills NJ with $565,000 loan and no points

Bridge Loan | Purchase Dix Hills, NJ Property Type: Single Family Residence Loan amount: $565,000 No points

Ground-Up cashout loan funded for single family home in Long Island NY with $1,830,000 loan and $1,500,000 construction budget

Ground-Up | Cashout Long Island, NY Property Type: Single Family Residence Loan amount: $1,830,000 Construction Budget: $1,500,000

Rental purchase loan funded for single family home in Newark NJ with $275,000 loan and DSCR 1.13

Rental | Purchase Newark, NJ Property Type: Single Family Residence Loan amount: $275,000 DSCR: 1.13

Simple, Straightforward Requirements

We build approvals around the deal, not your personal finances. No W-2s. No tax returns. No debt-to-income math. Cut those hurdles, and we can close in days, not weeks. Eligibility is mostly asset-based. Here’s what you’ll usually need:

Minimum FICO Score: 620 for most loan programs, 650 for ground-up construction.
Investment Experience: No prior experience required for Fix and Flip or DSCR loans. Ground-up construction loans require at least one completed new construction project.
Background Check: A clean background check with no recent felony convictions or major financial misconduct.
Loan Amounts: We lend between $115,000 and $8,000,000 depending on the loan program and market.
Property Requirements: Property must be a non-owner-occupied investment property located in an eligible market. Rural properties are not eligible.

We don’t ask for income verification or tax returns. Your deal’s potential is what matters most.

Fairfax County Criteria to Get a Hard money Loan

Minimal Paperwork for a Streamlined Process

We keep paperwork light to keep things fast. Every deal is a little different. Still, most loans need these:

Personal Information Documents: Driver’s License, 2 Months Bank Statement, Proof of Experience if applicable, Social Security Card
Property Information: Purchase Contract, Scope of Work, Property & Liability Insurance, Title Commitment
LLC Information: Formation Doc, EIN, Operating Agreement, LLC Resolution

Our team will hand you a clear checklist for your specific loan. That keeps your path to closing smooth.

Get Funded in Fairfax County

Ready to fund your next Fairfax County deal? Call 201-643-6650 or email sales@accolend.com for a free consultation and a same-day term sheet.

Fairfax County documents required for hard money loans

Competitive Rates

We are a direct lender backed by institutional capital. With a low cost of capital, we pass the savings on to our clients, helping to protect their profit margins.

Fast Service

All processing, underwriting, and closing are handled in-house by our team members. This enables us to fully control and expedite the process to meet our clients' timelines.

Certainty of Execution

As a Direct Lender and Asset Manager, we have complete control over the underwriting process and our strategic direction. Our funding sources are diversified and have proven reliable across various market cycles.

No Points

We launched our signature no-points programs in 2016. Since then, they have saved our borrowers millions of dollars, and allowed our broker partners to better compete.

Your next investment starts here.
Secure funding for your next investment.

Apply in minutes

You provide us with the application, including property and deal information.

We send you the proposed terms of our loan, outlined in a term sheet that includes all relevant expenses and documentation requirements.

Our underwriting team sets up your loan on our website portal to ensure a smooth documentation submission process. We coordinate with vendors such as appraisal and inspection companies, title, insurance, and legal counsel to facilitate seamless communication.

We work with you, your legal counsel, and the title company to schedule a closing date. On the closing date, we review all executed documents from your lawyer or the title company/closing agent and wire the funds.

You reach out to our draw manager with your draw request. A property inspection will be scheduled to verify completed work, and upon satisfactory completion and review, we will fund the draw. Our closing agent will wire the funds per draw request.

Our servicing team will assist you with extension and/or payoff requests. Extension approval requires 30 days of advance notice and the completion of an extension application.

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Accolend’s rates start at 10.25% with no points and 8.25% with points.

Accolend can close a hard money loan in Fairfax County in 7-15 business days.

The minimum FICO score required for hard money loans in Fairfax County is 620.

Accolend can finance the following type of properties in Fairfax County for a hard money loan:

Single Family Residence (SFR)
2-4 Unit Properties
5+ Unit Properties
Condominiums
Town Houses
Mixed use

Accolend offers following type of hard money loans in Fairfax County:

Fix and Flip
Bridge
Ground-Up
DSCR
Rental

Yes, Accolend offers no-points loans in Fairfax County.

The minimum and maximum loan amounts offered by Accolend in Fairfax County depend on the type of loan. Generally, our loans range from $115,000 to $8 million. If you have a specific project in mind, reach out to our team for tailored financing options.

Sales Team Phone

201-643-6650 x 1 Email

sales@accolend.com