Competition in Washington’s real estate market is fierce—especially around Seattle, Tacoma, Bellevue, Spokane, and the Tri-Cities. Properties move fast, multiple offers are common, and traditional lenders are slow. Banks are built for long-term, low-risk loans. That often means strict property condition rules, heavy documentation, and long timelines—causing missed deals and lost profit. If you’re trying to seize a time-sensitive opportunity, our Washington team at NW Private Lending is here to help you secure a hard money loan.

How Hard Money Gives You the Edge

Hard money evaluates the value of the property and your plan, so you can…

Close quickly (often in days!)…

• Underwriting focuses on collateral, equity, and exit—not endless income docs—so files move fast.

• Typical path: term sheet in 24–48 hours, appraisal/valuation alternative, close in 3–10 days (deal- and doc-ready dependent).

• Works for cash-only and as-is purchases where bank timelines kill deals.

Compete with cash offers…

• Proof of funds / pre-approval lets you write stronger, shorter-contingency offers.

• Sellers care about certainty and speed; private money gives you “cash-like” terms without waiting on a bank.

• Great for multiple-offer situations in Seattle, Tacoma, Bellevue, Spokane, Tri-Cities.

Finance rehab properties quickly…

• Fund purchase + rehab with a draw schedule tied to milestones (demo, rough-in, finishes).

• Lenders consider ARV (after-repair value) and scope, not just current condition—perfect for properties banks won’t touch.

• Interest-only during the term preserves cash flow while you renovate.

Leverage equity for new acquisitions…

• Use a cash-out refinance or cross-collateralize an existing property to unlock capital.

• Typical structures revolve around LTV/LTC and ARV—so seasoned investors can scale without selling.

• Ideal for situations where investors want to acquire → improve → refinance into a long-term conventional loan or DSCR.

Ready to Move Fast?

When timing wins deals, you need capital that keeps up. Start your file in minutes with our simple online loan application, see our Rates & Terms , or Contact Our team today to discover what lending options are the best fit for you!