Hard money loans across Washington

We lend statewide

You do not need to be in one of the cities above. We lend on investment property anywhere in Washington, including the Eastside, Snohomish County, the Kitsap Peninsula, the South Sound, Bellingham and Whatcom County, the Tri-Cities, Yakima, Wenatchee and the Spokane area.

What is different about lending in Washington

• Escrow closings. Washington closings are handled by escrow and title companies, so have your escrow officer’s contact details ready when you apply.
• Older homes around Puget Sound. Houses from the early 1900s often have a buried heating-oil tank, an aging side sewer or a foundation that was never bolted down. Rehab budgets need to cover them.
• More homes per lot. State law now requires most cities to allow more than one home on a residential lot, and Seattle allows at least four on most lots. That has made townhome and infill construction a common investor project.
• Excise tax on resale. Washington charges the seller a real estate excise tax on the sale price. Include it in the exit costs on a flip.
• Rent rules. A 2025 state law limits most annual rent increases, with newer buildings exempt for their first 12 years. Seattle, Tacoma and several other cities add their own landlord rules.
• Local short-term rental rules. Each city and county sets its own. Seattle requires an operator license and limits each operator to two units.
• Wet winters. West of the Cascades, roofing, siding and site work slow from late fall to early spring. East of the mountains, plan around snow and freezing temperatures.