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Dominion Financial: 100% Fix and Flip, Construction, and DSCR Loans

National private lender founded in 2002, offering fix-and-flip, ground-up, multifamily bridge, and rental loans in 50 states.

BRONZE LENDER

Fix & FlipGround UpOther
Loan Close Time
48 hours
Loan Programs
Fix & Flip, Ground Up, Other
Max Leverage
Fix & Flip: 100% Financing (Purchase + Rehab); 100% LTC; Max ARV 70%. Ground-Up: Up to 90% LTC; up to 50% of acquisition on entitled land; up to 75% of horizontal development; up to 100% of vertical construction.

Overview

Founded in 2002, Dominion Financial Services (DFS) is a privately owned firm known for its speed, service, and reliability. Over the past two decades, DFS has grown to be a team of 100 and lends across the nation in all 50 states and DC.

DFS is a one-stop-shop for residential real estate financing with its full suite of REI products including; Ground-Up Construction, Multifamily Bridge, Fix & Flip, and 30-year Rental Loans.

At Dominion Financial Services, we understand your business. We are real estate investors, too. In fact, we own a portfolio of over 780 properties and have dealt with the headaches of traditional banks for far too long. That’s why we created a lender for real estate investors, made by real estate investors

Draw & Construction Process

Dominion Financial runs a streamlined draw process on both its fix and flip and ground-up construction loans, and it does not require an appraisal on fix and flip deals, which removes a common source of delay. On ground-up loans, Dominion offers reimbursement of cost basis and describes draw funding as arriving in days, not weeks.

The company does not publish whether draw inspections are physical or virtual, or a specific per-draw turnaround, so those specifics should be confirmed for a given project. Where Dominion is very specific is closing speed: it advertises fix and flip closings in as little as 48 hours, with deals funded within 48 hours, and 10-day closings on its express rental product. For rehab and construction investors, the no-appraisal fix and flip path plus 100% financing is the standout, paired with a construction draw process framed around speed rather than a fixed schedule.

Loan Programs

Dominion Financial, operating as Dominion Financial Services, is a Baltimore-based private lender offering fix and flip, ground-up construction, multifamily bridge, and DSCR rental loans across 49 states and Washington DC.


Fix and flip: 100% financing, covering up to 100% of purchase and up to 100% of rehab (100% LTC), capped at 70% of ARV, with no appraisal required.
Ground-up construction: up to 90% LTC, split into up to 50% of acquisition on entitled land, up to 75% of horizontal development, and up to 100% of vertical construction, on 12 to 24 month terms with no prepayment penalty.
• DSCR rental loans, with express rental closings in about 10 days.
Multifamily bridge financing is also offered for larger residential assets.

States Served

Resources

Legal / Disclosures

Dominion Financial, operating as Dominion Financial Services, LLC, is a private real estate lender headquartered in Baltimore, Maryland, offering DSCR rental, fix and flip, multifamily bridge, and ground-up construction loans. It lends in 49 states, licensed or exempt in all states except Nevada, for real estate investment purposes, and operates under NMLS ID 898795.

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