The Lending Commons
← All lenders

Clear Sky Financial

Burke, VA·Founded 2013·5 states
Clear Sky Financial is a leading local private lender specializing in fast, reliable Fix-and-Flip Bridge, Short-Term Bridge, and DSCR Rental loans for real estate investors in Washington DC, Maryland, Virginia, and North Carolina.
Clear Sky Financial describing itself

Loan programs

Maximum leverage
Max ARV 75%

Fix & Flip

$100K – $1.5M
Term
12 mo
Rate
12% – 16%
Amortization
Interest-Only
Maximum leverage
Max LTV 70%Max LTC 90%Max ARV 75%
Eligible property types
Single-Family (SFR) · Condo / Townhome / PUD · 2–4 Unit Residential · Multifamily (5+)

Terms & qualification

Typical loan size
$100K – $1.5M
Typical term
6 mo – 12 mo
Interest rate
12% – 15%
Origination / points
2% to 5%
Lien position
1st
Prepayment penalty
None
Payment structure
Interest Only
Recourse
Never
Closing speed
10 days typical · 1 days fastest
Prepayment structure
None
Cross-collateral
Yes
Equity / JV capital
No
Income documentation
No Income Check. No Tax Returns. No W-2s. Pure asset-based underwriting focused entirely on ARV, project scope, and exit strategy. 1-page term sheet provided - sign and return. No formal application required.
Borrower entity
Individual, LLC, LP, Trust, Corporation, and Self-Directed IRA all accepted. No personal guaranty required. No foreign nationals. No 2nd position loans. No land loans, no ground-up construction. Washington DC, Maryland, Virginia, and parts of North Carolina only.
Experience required
Minimum 1 Prior Project Required. New investors with strong liquidity may be considered on a case-by-case basis. CSF's founding team has personally flipped 300+ properties in the DMV since 2009 and shares that knowledge with borrowers. Access to CSF's contractor network provided to active borrowers.

Property types

Lending footprint