Hard Money Blog: Invest, Revitalize, Create, Prosper

Mold in DMV Investment Properties: Investor Guide

September 8, 2025 by Kyle Sennott Leave a Comment

Mold Monster scarying a woman in her house.

If you’re buying, fixing, and renting homes in Maryland, Washington, DC, or Virginia, you already know that every distressed property comes with its own surprises. Some are cosmetic and easy to fix; others can turn into expensive deal-breakers. One of the most common—and most misunderstood—issues is mold. Left unaddressed, mold can lower property values, stall your rehab timelines, and even expose you to liability as a landlord.

Let’s break down what you need to know about identifying, treating, and preventing mold in your real estate investments here in the DMV.

Common Concerns When Obtaining Private Financing

September 6, 2025 by Kyle Sennott Leave a Comment

An investor on a paddleboad attempting to escape a shark while clatching dollar bills

Private (or hard money) financing can be a powerful tool for real estate investors in Maryland, Washington, DC, and Virginia. It allows you to act quickly, leverage opportunities that traditional lenders shy away from, and fund projects that build long-term wealth.

But—like with any financial commitment—you may have some questions or concerns. Below, we’ll walk through the most common issues borrowers raise when working with private lenders, and how we at New Funding Resources address them.

DSCR Loans: How They Fit Into Your Investment Strategy

September 4, 2025 by Kyle Sennott Leave a Comment

The illustration of the scale representing DSCR with rents on one pan and pricipal, interest, tax and insurance on the other.

Debt Service Coverage Ratio (DSCR) loans are a popular financing option for real estate investors who want to build rental portfolios without relying on personal income verification. Instead of focusing on tax returns or W-2s, DSCR lenders evaluate whether the rental property itself generates enough income to cover the debt.

In short: your rental income—not your paycheck—qualifies you.

Foundation Problems in DMV Real Estate: What Local Investors Need to Know

September 3, 2025 by Kyle Sennott Leave a Comment

A contractor and a real estate investor examine a crack in the exterior wall and discuss the underlying foundation problem.

Investors who purchase and renovate distressed properties in Maryland, Virginia, and Washington, DC must approach each opportunity with caution. In our local market, a home with foundation problems can quickly turn from a promising investment into a financial drain.

Doors that stick, uneven floors, or visible cracks in the walls may all signal foundation issues. While some of these problems are minor, others can cost tens of thousands of dollars to repair—significantly reducing your ROI.

Exit Strategy: Why It’s Crucial in Hard Money Lending

June 11, 2025 by Kyle Sennott Leave a Comment

Exit strategy sign in orange letters on white fence

If you’ve been speaking with a hard money lender, chances are the term “exit strategy” has come up more than once. There’s a good reason for that. Hard money lenders care deeply about your exit strategy—because it determines how (and when) they get repaid. But it’s not just about the lender. Your exit strategy also dictates how and when you, the borrower, make money. Let’s explore what an exit strategy is, the most common types, and how selecting the right one can maximize your profits.

Invest Smart: 10 Rules for Real Estate Success in the DMV

June 9, 2025 by Kyle Sennott Leave a Comment

Drift wood sail boat symbolizing launching real estate investing career

In the world of real estate investing, nothing is ever a “sure thing.” Over the years I’ve spent working as a hard money lender, I’ve learned a lot about managing risk. And one lesson stands out above the rest: always approach every investment with caution. For real estate investors in the DC area—especially first-timers—minimizing risk is essential to maximizing profitability.

I may not have a crystal ball to tell me which deals will succeed, but I do have firsthand experience in both fix-and-flip and buy-and-hold investments. Here are some key insights I’d like to share:

Hard Money Blog: Invest, Revitalize, Create, Prosper

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