BRONZE LENDER
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
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.
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.

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.
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.