Licensed & Lending
Hard Money & DSCR Loans in Washington
Capital Kings funds Washington investor loans. Hard money, DSCR, and bridge across Seattle, Spokane, Tacoma, and the WA secondary markets. WA pricing demands high-balance lenders and our network is tuned to it.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
270+
Lenders in Network
37
States Licensed
7-Day
Avg. Flip Close
1.0+
Min DSCR Ratio
Loan Products
Capital That Funds Washington Deals
Seattle metro flips require lenders with appetite for the higher price points and the patience for WA closing timelines. Spokane and Tri-Cities offer more attainable investor entry prices with strong rental fundamentals. Our DSCR lenders fund across both ends of the state.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Washington fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Washington buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Washington growth corridors specifically.
Why Capital Kings
Built for Washington Investors
Seattle higher-balance fix-and-flip
Available statewide for Washington investors.
Spokane DSCR rentals priced for cash flow
Available statewide for Washington investors.
Bridge financing for value-add multifamily
Available statewide for Washington investors.
New construction in growth corridors
Available statewide for Washington investors.
Common Questions
Washington Lending FAQ
Do you lend hard money loans in Washington?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Washington through our 270+ lender network. We close Washington deals in as little as 7 days.
What cities in Washington does Capital Kings lend in?
We fund investor loans statewide in Washington, with active deal flow in Seattle, Spokane, Tacoma, Vancouver, Bellevue and the surrounding metros.
Do you offer DSCR rental loans in Washington?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Washington on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Washington hard money loan close?
Most Washington fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Washington fix-and-flip loan?
As little as 0% down on the right deal. Most Washington hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Washington can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Washington Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Washington deal we close.
Ready to fund your Washington deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Washington are originated by partner lenders licensed to lend in Washington. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.