The #1 Rated Hard Money Lenders Virginia – HardMoneyMan.com
As one of the go-to hard money lenders in Virginia, HardMoneyMan.com offers hard money loans in VA with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
Investment Property Hard Money Loans in Norfolk, Richmond, Alexandria and throughout the State.
The #1 Hard Money Lender Virginia
Virginia’s #1 Hard Money Lender since 1998!
Submitting your application package to Hard Money Lenders Virginia is quick and easy.
Hard Money Loans Virginia – Close in 7–10 Days
Fix & Flip, Spec Construction, DSCR Rentals, Multifamily, Commercial, and Asset Based Loans across Virginia.
We Lend in:
Virginia Beach, Norfolk, Hampton, Chesapeake, Arlington, Richmond, Newport News, Alexandria, Roanoke, Hampton, Portsmouth and other cities in Virginia
Virginia Hard Money Loan Programs
- Fix & Flip Loans: Up to 90% purchase + 100% repairs.
- Spec Construction Loans: Builder financing with staged draws.
- DSCR Loans: Rental income qualification, no personal income docs.
- Multifamily Loans: Financing for 5+ unit apartment buildings.
- Commercial Loans: Offices, retail, mixed‑use, and industrial properties.
- Asset Based Loans: Collateral‑driven financing for investors.
Where We Lend in Virginia
We provide hard money loans in Virginia Beach, Norfolk, Richmond, Arlington, Alexandria, Chesapeake, Newport News, Roanoke, and across the state.
Virginia Fix and Flip Loans
Virginia Construction Loans
Virginia Rental Loans
Virginia Multi Family Loans
Frequently Asked Questions
Do you offer fix and flip loans in Virginia?
Yes. We provide short-term fix and flip loans statewide with fast closings and flexible draws.
What equity is required for spec home loans?
Builders typically need 20–30% equity, with lot value often counting toward this requirement.
How do construction loan draws work?
Funds are released in stages as renovations or construction milestones are completed and verified.
What DSCR is required in Virginia?
Most DSCR loans require at least 1.0, meaning rental income covers debt service.
Do you finance 5+ unit apartment buildings?
Yes. Multifamily loans are available for 5+ unit properties across Virginia.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, mixed-use, and industrial properties.
Do you offer asset based loans?
Yes. Asset based loans qualify borrowers using collateral value rather than personal income documentation.
How fast can I close?
Most Virginia loans close in 7–10 days depending on documentation.
Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Is Airbnb or short-term rental income considered?
Yes. Documented short-term rental income can be used for DSCR qualification.
Ready to Fund Your Virginia Project?
Apply today and close in as little as 7 days with same‑day draws available.