Hard Money Lender in Washington, DC

Over The Net Capital, operating as DSCR Loans Direct, is a trusted hard money lender and private money lender based in Waldorf, MD, serving real estate investors throughout Washington, DC, Maryland, and Virginia. As a dedicated DSCR lender, the company finances non-owner-occupied investment properties exclusively — single-family rentals, condos, townhomes, 2-4 unit properties, and multi-family assets — never a primary residence.

Investors across the DMV market rely on DSCR Loans Direct for DSCR loans, bridge loans, fix-and-flip loans, ground-up construction loans, investor refinance loans, long-term rental loans, short-term rental loans, and multi-family loans. Every program is built around real estate investor loans and investment property loans, with underwriting based on property cash flow and project viability rather than personal income documentation.

Whether an investor is closing quickly on a bridge loan in Alexandria, funding a fix-and-flip project in Prince George's County, financing ground-up construction in Loudoun County, or securing long-term rental financing in Baltimore, DSCR Loans Direct delivers fast, flexible, top-rated financing backed by decades of hands-on real estate investing experience — making it a trusted and expert private money lender for investors throughout Washington, DC, Maryland, and Virginia.

Hard Money Lender in Washington, DC

DSCR Loans Direct is a hardmoney lender and private money lender based in Waldorf, MD, serving real estate investors throughout Washington, DC, Maryland, and Virginia with DSCRloans, bridge loans, fix-and-flip loans, and ground-up construction loans for investment properties only.

About Us

Helping You Invest
in Your Future

At DSCR Loans Direct, based in Waldorf, MD, we specialize in helping clients achieve their investment property goals. We understand that every investor has unique needs, and we’re proud to offer a wide range of tailored financing solutions designed to support your real estate ambitions.

With our expertise and innovative tools, we simplify the process of financing investment properties. Through our secure website, you can submit a loan application or pre-qualify for an investment loan quickly and conveniently. Our interactive tools, including calculators and financing scenario comparisons, allow you to evaluate your options with confidence.

Step 1: Submit Your Deal

Our Process

Go Beyond With
DSCR Loans Direct

We make transitioning to our platform straightforward and effective.

01

Initial Consultation

Share your scenario, and we’ll assess your needs.

03

Application & Approval

Receive tailored loan options designed for your goals.

02

Customized Solutions

Complete your application and receive fast approvals.

04

Closing & Beyond

Seamlessly close your loan and enjoy continued support.

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

About

About DSCR Loans Direct

At DSCR Loans Direct, real estate is more than a business — it’s a lifelong passion. I grew up in a private lending family and spent the last 40 years hands-on in real estate investing, from light cosmetic updates to full property renovations and long-term rental holdings. I know what it takes to get projects across the finish line because I’ve been in your shoes.

With certifications as a PMP, Scrum Master, and Agilist 5, I combine real-world experience with structured project management. My goal is simple: to provide fast, flexible, and honest financing that helps investors succeed — just like I would want for myself.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000
FAQ

Frequently Asked Questions

What is a hard money lender?

A hard money lender is a private money lender that provides asset-based financing for real estate investors, using the property's value and cash flow rather than personal income to qualify a loan.

What types of properties qualify for financing?

DSCR Loans Direct finances non-owner-occupied investment properties only, including single-family rentals, condos, townhomes, 2-4 unit properties, and multi-family assets across Washington, DC, Maryland, and Virginia.

What is a DSCR loan?

A DSCR loan qualifies borrowers based on a property's debt service coverage ratio — its rental income relative to the mortgage payment — rather than personal income documentation, making it a popular option for real estate investor loans.

How fast can a loan close?

Because underwriting is based on the property and project rather than employment history, DSCR Loans Direct can often close bridge loans, fix-and-flip loans, and DSCR loans faster than a conventional lender.

What areas does DSCR Loans Direct serve?

DSCR Loans Direct is based in Waldorf, MD, and serves real estate investors throughout Washington, DC, Maryland, and Virginia, including Annapolis, Alexandria, Rockville, Baltimore, Prince George's County, Baltimore County, Prince William County, Fairfax County, and Loudoun County.

What is the difference between a bridge loan and a fix-and-flip loan?

A bridge loan provides short-term gap financing between an acquisition and a long-term exit strategy, while a fix-and-flip loan is structured specifically around a renovation budget and resale timeline.

Do I need to verify personal income to qualify?

No. Investment property loans and DSCR loans are underwritten around the property's cash flow and the project's viability, not personal income or employment verification.

What loan programs are available?

DSCR Loans Direct offers DSCR loans, bridge loans, fix-and-flip loans, ground-up construction loans, investor refinance loans, long-term rental loans, short-term rental loans, and multi-family loans.

How much can I borrow?

Loan amounts and leverage depend on the property type, the project's after-repair value, and the specific loan program, with terms tailored to each real estate investor loan request.

Does DSCR Loans Direct work with brokers?

Yes. Brokers can partner with DSCR Loans Direct through its wholesale lending program to offer DSCR loans and other investor loan programs to their clients across the DMV market.