Where We Lend · Washington

Investment Property Loans in Washington

Washington pairs Seattle-metro appreciation with genuine rental depth — Eastside tech employment keeps Bellevue vacancy near zero while Spokane and the Peninsula run at a different tempo. No state income tax helps the DSCR math; we price the metro and the outlying markets separately.

Submit a Washington Scenario Call (917) 993-9194

Washington markets we cover

Seattle

King County

Typical investor price: $700K – $1.8M

Rent band: $1,900 – $3,400 per unit

Submarkets: Ballard, Beacon Hill, Columbia City, Lake City, West Seattle

Bellevue

Eastside, King County

Typical investor price: $900K – $2.2M

Rent band: $2,500 – $4,500 per unit

Submarkets: Downtown Bellevue, Crossroads, Lake Hills, Factoria, Eastgate

Loan programs available across Washington

DSCR Rental Loans →

30-year fixed. No personal DTI. Closes on property cash flow.

Term30-year fixed, 5/1 and 7/1 ARM, interest-only availableLeverageUp to 80% LTV purchase, 75% LTV refiCredit660 (best pricing at 720+)Close21–30 days

Seattle →Bellevue →

Fix & Flip Loans →

Up to 90% LTC. 75% ARV. 12-month terms.

Term6–18 month terms, interest-onlyLeverageUp to 90% LTC, 75% ARVCredit660Close10–21 days

Seattle →Bellevue →

Short-Term Rental (STR) Loans →

Underwritten on AirDNA revenue, not LTR shadow rents.

Term30-year fixed, 10-year I/O, 5/1 ARMLeverageUp to 75% LTV purchaseCredit680Close25–35 days

Seattle →Bellevue →

Apartment & Multifamily Loans →

5+ unit apartment buildings. Bridge, value-add, and long-term.

Term2-year bridge through 30-year permanentLeverageUp to 80% LTV (agency), 75% LTC (bridge)CreditSponsor experience-driven, 680+ typicalClose45–75 days

Seattle →Bellevue →

Bridge Loans →

Fast, flexible capital for time-sensitive acquisitions.

Term6–24 month terms, interest-onlyLeverageUp to 75% LTV, 80% LTC on value-addCredit660Close10–21 days

Seattle →Bellevue →

Ground-Up Construction Loans →

Fund the build. Refinance into a DSCR on stabilization.

Term12–24 month construction, converts to 30-year DSCRLeverageUp to 85% LTC, 70% LTV on completionCredit680Close30–45 days

Seattle →Bellevue →

Ready to close your Washington deal?

Submit a scenario. Real term sheet within 24 hours.

Submit Scenario Call (917) 993-9194