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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

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

Sources

This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.