Best Fix & Rent Lenders in Washington (2026)
Compare fix & rent lenders serving Washington real estate investors. We found 2 lenders offering fix-and-rent loans in Washington — see rates, LTV, credit requirements, and expert reviews below.
Investing in Washington
Seattle tech economy drives strong appreciation. No state income tax. Tacoma and Spokane offer more affordable entry. Washington has strict landlord-tenant laws — know the rules.
Key Markets
Typical Rates
8%–11% (bridge) → 6.5%–8.5% (perm)
Max LTV
80%–85% purchase, 100% rehab, 75% perm
Typical Terms
12–18 month bridge → 30-year permanent
Min Credit
660–700
Fix & Rent Lenders Serving Washington
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| KiaviFeatured | 6.5%–12% | 80% | 640 | $100K–$3M | 10–21 days | 4.5 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
About Fix-and-Rent Loans in Washington
Hybrid loans that combine short-term rehab financing with automatic conversion to a long-term DSCR loan. The one-loan BRRRR solution — no separate refinance needed.
Washington real estate investors use fix-and-rent loans for brrrr strategy investors and investors who want to rehab then hold long-term. Washington's lack of state income tax makes rental property returns even more attractive when combined with fix & rent financing.
Other Loan Types in Washington
Fix & Rent Lenders in Nearby States
Analyze Your Washington Deal
Use our free calculator to see if your Washington investment works with Fix & Rent financing.