Where we lend · Washington (WA)
Investment property financingin Washington.
Fix & flip, DSCR rental, bridge and construction loans for investors in Seattle, Spokane, Tacoma and across Washington. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Washington,at a glance.
Washington state is anchored by the Seattle metro, one of the most dynamic and highest-value real estate markets in the country. Seattle's tech economy — Amazon, Microsoft, Boeing, Meta — drives intense housing demand and premium property values, with median prices exceeding $750K. Bellevue and the Eastside command even higher prices. Tacoma has emerged as a value alternative to Seattle, with prices roughly 40% lower and strong rental demand from commuters. Spokane in eastern Washington experienced massive growth during the pandemic and has settled into a more sustainable trajectory with prices around $350K. Vancouver (WA) benefits from Portland proximity with no state income tax. Washington has no state income tax, boosting investor returns.
Markets we serve
- Seattle
- Spokane
- Tacoma
- Vancouver
- Bellevue
- Everett
Why AIRE Lending in Washington
- Programs scaled for Seattle's premium property values and deal sizes
- Experience with Puget Sound's diverse market from Seattle to Tacoma to Olympia
- DSCR programs for Washington's strong tech-driven rental demand
- Construction financing for Seattle's active infill and ADU market
- Programs for Spokane's growing Eastern Washington market
Programs available
What we lendin Washington.
Loan programs currently available through AIRE Lending in WA.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Washington licensing and compliance
Washington does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Washington lending regulations.
Questions, answered
Lending in Washington,explained.
What Seattle-area neighborhoods are best for investment?
Fix and flip opportunities exist in South Seattle, White Center, and Rainier Valley. Rental investors target Renton, Kent, Federal Way, and Lynnwood for better yields. Tacoma has become increasingly popular for investors priced out of Seattle proper. We cover the entire Puget Sound region.
Is Spokane still a good investment after the price surge?
Spokane has cooled from its pandemic peak but still offers good value compared to Seattle. The city's growing healthcare and education sectors, along with its appeal to remote workers, continue to drive steady demand. Prices around $350K are well below Seattle levels.
Do you finance ADUs in Washington?
Yes. Washington's ADU-friendly legislation, particularly in Seattle, has created opportunities for investors to add rental units to existing properties. We offer construction financing for ADU projects.
What are typical rates in Washington?
Washington rates are competitive. Fix and flip loans start at 9.5%, DSCR rental loans from 7.0%, and bridge loans from 9.0%. Seattle's higher property values mean larger loan amounts, and experienced investors often qualify for our best pricing.