Published terms, read October 29, 2026

Dominion Financial loan terms

Privately held private lender to real estate investors, founded in 2002 and based in Baltimore, Maryland (NMLS 898795). It is the lending arm of The Dominion Group.

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Dominion Financial: DSCR rental loans

Dominion Financial figures from its own site, read October 29, 2026. Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close.
Term	Dominion Financial	Doors Funded programs
Loan amount	Not published ($100,000 minimum property value)	$75,000 to $2,000,000
Max LTV (purchase)	Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out	Up to 80% LTV (75% cash-out)
Min FICO	680 (exceptions down to 660)	660
Min DSCR	1.00x	1.05x
Experience	Not published	Not required
Property types	Single family and 2-10 unit residential. Mixed-use with 2-8 units	Single family, 2-4 units, townhomes, PUDs, warrantable condos

Conditions: 30-year fixed, no call, 30-year amortization; interest-only options. No tax returns. Short-term rentals are eligible. Cash-out seasoning is usually three months and can run up to six; a Delayed Purchase option needs no seasoning within six months of an all-cash buy. Prepayment penalty is declining-point: none on select loans, 3-2-1 or 5-4-3-2-1. Mixed-use must be at least 51% residential with occupied office or retail. The Express Rental Loan targets 10-day closings with a price-beat guarantee. The 1.00x minimum comes from Dominion's DSCR requirements guide, not the product page. That guide also says cash-out goes to 80% LTV, while the product page says 75%; the product page figure is used. [1] [2]

Dominion Financial: Fix and flip loans

Dominion Financial figures from its own site, read October 29, 2026. Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close.
Term	Dominion Financial	Doors Funded programs
Loan amount	Not published	$50,000 to $3,000,000
Purchase	Up to 100% of price	Up to 90% of price
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 70% of ARV	Up to 75% of ARV
Min FICO	680 (generally)	Quoted per loan
Experience	Not published	None required
Term	6 to 24 months	12 months; 18 months case by case

Conditions: No appraisal is required, closings can happen in as little as 48 hours, and there is an option for no upfront origination points. Interest-only, with no prepayment penalty. Closing costs and points cannot be rolled into the loan. Proof of at least $30,000 in reserves is required. Extensions are case-by-case and may carry fees. Not for owner-occupied homes. The same page gives terms of 6 to 12 months in one FAQ and 6 to 24 months in another. [1]

Dominion Financial: Ground-up construction loans

Dominion Financial figures from its own site, read October 29, 2026. Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close.
Term	Dominion Financial	Doors Funded programs
Loan amount	Not published	$50,000 to $3,000,000
Max LTC	Up to 90% of total cost	Up to 85% of cost (90% with 3+ similar projects)
Max ARV	Not published	Up to 70% of completed value
Min FICO	Not published	Quoted per loan
Experience	No set minimum	1-2 prior ground-up builds
Term	12 to 24 months	12 months, up to 18 (up to 24 for experienced builders) at the lender's discretion

Conditions: Covers up to 50% of entitled-land acquisition, 75% of horizontal development and 100% of vertical construction. Eligible properties are single family, 2-10 unit residential and majority-residential mixed-use, on entitled, permitted land. Spec builds are allowed. A subject-to-completion appraisal is required. Interest-only on drawn funds, no prepayment penalty, extensions available for a fee. Single-property and portfolio options. Dominion's construction requirements guide says the 90% LTC applies to experienced builders. [1] [2]

Where Dominion Financial lends and who can borrow

Lender	Where it lends	Borrowing entity	Foreign nationals
Doors FundedOur programs, arranged by Janover Capital LLC	47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont.	Business entity (LLC or corporation); full recourse	DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible.
Dominion Financial	Every state except Nevada, plus Washington, DC. [src][src][src][src]	The DSCR page lists LLCs and individuals as eligible borrowers. The rate and program disclosures page says loans are made only to business entities. [src][src]	Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals. [src]

Who Dominion Financial fits, on its published terms

Flips where you want up to 100% of price and 100% of rehab (capped at 70% of ARV), with no appraisal.
Rentals with 2 to 10 units, and mixed-use buildings of 2 to 8 units.
Short-term rentals on a DSCR loan.

Check these before you apply

Loan amounts are not published; the DSCR page gives only a $100,000 minimum property value.
Flips need at least $30,000 in reserves, and closing costs and points cannot be rolled into the loan.
Not available in Nevada.
Its DSCR page lists individuals as eligible borrowers, while its disclosures page says loans are made only to business entities.

Where our programs differ

Flip ARV cap: Dominion 70% of ARV; our program up to 75% of ARV.
DSCR: Dominion publishes 1.00x and a 680 score (exceptions to 660); our program 1.05x and 660.
States: our program lends in Nevada, where Dominion does not; Dominion lends in North Dakota, South Dakota and Vermont, where our program does not.

Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.

Compare with your deal

Dominion Financial against every other lender

Dominion Financial alternatives: the lenders whose published limits go further than Dominion Financial's, case by case.

Sources

Dominion Financial: DSCR rental loans. Read October 29, 2026.
Dominion Financial: Fix & flip loans. Read October 29, 2026.
Dominion Financial: Ground-up construction loans. Read October 29, 2026.
Dominion Financial: About. Read October 29, 2026.
Dominion Financial: Licensing. Read October 29, 2026.
Dominion Financial: Rate & program disclosures. Read October 29, 2026.
Dominion Financial: Broker program. Read October 29, 2026.
Dominion Financial: DSCR loan requirements. Read October 29, 2026.
Dominion Financial: Ground-up construction loan requirements. Read October 29, 2026.