HARD MONEY LOANS · District of Columbia (DC) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

District of Columbia Hard Money Loans (Fast Asset-Based Acquisition & Bridge) — 2026 Rates, LTV Caps & State Rules

District of Columbia Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 Business Days close). In District of Columbia (DC), lenders underwrite to a Non-Judicial / Mediation Hybrid (Deed of Trust) statutory framework (120–180 days-day average timeline), a 0.85% average property tax rate (~$443/mo at the $625,000 state median), and $480/$100K hazard insurance (~$250/mo).

Max Leverage / LTC
Up to 85%–90% LTC / 75% ARV
Min FICO: 600 – 640+ FICO (Asset-Backed)
2026 Rate Band
9.25% – 11.50% Interest-Only
6, 12, 18 & 24 Months Interest-Only
DC Security Instrument
Non-Judicial / Mediation Hybrid (Deed of Trust)
120–180 days days avg timeline
DC Avg Tax & Ins
0.85% Tax
$480/$100K Hazard Ins

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District of Columbia Hard Money Loans (2026) — Up to 85%–90% LTC / 75% ARV, 9.25% – 11.50% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach