Washington, D.C. Investment Property Loans
Washington, D.C. investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
1st Nationwide Mortgage finances investment property in Washington, D.C. through business-purpose lending programs. Our Washington, D.C. borrowers qualify on the property’s rental income rather than personal tax returns, W-2s, or employment history. These are non-owner-occupied loans for investors and entities — not primary-residence mortgages.
Investment Property Financing in Washington, D.C.
The District is a condo- and row-house-heavy rental market where tenant protections are strict and rent rolls, not borrower tax returns, are what carry a deal.
Key markets in Washington, D.C. include: Capitol Hill, Columbia Heights, Anacostia, Shaw, Petworth.
How Washington, D.C. Investors Qualify
| Qualification Factor | Detail |
|---|---|
| Primary program | DSCR — Debt Service Coverage Ratio |
| Income documentation | Rental income only; no personal tax returns or W-2s required |
| DSCR calculation | Gross monthly rent ÷ PITIA (principal, interest, taxes, insurance, HOA) |
| Minimum DSCR | Generally 1.0 or above; some programs allow below 1.0 with compensating factors |
| Credit score | Typically 680+ to start; 740+ may qualify with lower down payment |
| Down payment | Generally 20–25%; may be lower at higher credit tiers |
| Eligible borrowers | U.S. investors, LLCs, corporations, trusts, and foreign nationals |
| Property types | Single-family, 2–4 unit, condos, and 5+ unit multifamily |
Washington, D.C. Loan Programs
- Washington, D.C. DSCR Loans — Qualify on rental income; no tax returns or W-2s. Available for LLCs, trusts, and foreign nationals.
- Hard Money Loans — Short-term, asset-based financing for fix-and-flip, lot acquisition, and value-add deals. Available in all 50 states.
- Rehab Loans — Purchase and renovation financing in one loan. Fix-and-flip, BRRRR, and value-add projects.
- Bridge Loans — Short-term financing between an acquisition and permanent loan, or while a property is stabilizing.
Frequently Asked Questions
Can I get an investment property loan in Washington, D.C. without tax returns?
Yes. Our Washington, D.C. investor programs qualify the property, not the borrower. A DSCR loan is underwritten on the rental income the property produces, so tax returns, W-2s, and employment verification are not required.
What credit score do I need for a Washington, D.C. investment property loan?
DSCR programs typically start around a 680 credit score with 20–25% down. Borrowers at 740 and above may qualify with as little as 15% down. Requirements vary by program and property type — confirm current guidelines before relying on these figures.
Do you lend on primary residences in Washington, D.C.?
No. In Washington, D.C. we offer business-purpose, non-owner-occupied financing only — investment properties, rentals, and entity-held real estate. We do not originate owner-occupied or consumer-purpose mortgages in this state.
Can a foreign national or LLC borrow in Washington, D.C.?
Yes. Business-purpose loans in Washington, D.C. can close in the name of an LLC, corporation, or trust, and foreign-national borrowers are eligible under our NONI program, which requires no U.S. income or asset verification.
How is DSCR calculated on a Washington, D.C. property?
DSCR is the property’s gross rental income divided by its PITIA — principal, interest, taxes, insurance, and any association dues. A ratio at or above 1.0 means the rent covers the payment. Some programs allow ratios below 1.0 with compensating factors.
Get Started
Check DSCR Eligibility or call (833) 350-9185 .
For illustration only. Not a commitment to lend. Rates and terms subject to change and qualification. 1st Nationwide Mortgage Corporation, NMLS #1281. Equal Housing Lender.
Washington D.C. Bridge Loans for Real Estate Investors
Bridge loans for Washington D.C. real estate investors — short-term financing between a purchase and permanent loan, or while a property is stabilized or sold. Fast close, all 50 states.
Washington D.C. Hard Money Loans
Hard money loans for Washington D.C. real estate investors and developers. Asset-based purchase and fix-and-flip financing with fast close. Business-purpose lending, available in all 50 states.
Washington D.C. Rehab Loans for Real Estate Investors
Rehab loans for Washington D.C. investors — purchase and renovation financing in one loan. Fix-and-flip, BRRRR, and value-add projects. Business-purpose lending, all 50 states.
Washington DC DSCR Loans — Qualify on Rental Income
DSCR loans in Washington DC qualify investors on rental income — no tax returns. Close in DC. Strong federal employment drives rental demand.
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.