New market, new people, new opportunities!
One of the most exciting deals we funded in 2024 took us to Charlottesville, VA, a first for us! We financed the construction of a brand new single family home.
For us, it’s always about more than just numbers. It’s about working with great people, building strong relationships, and supporting solid projects. Entering a new market brings a fresh challenge, but with the right partners, it’s an opportunity worth taking.
The renovation will be completed in March or April, and we’re confident it will hit the market strong. Seeing projects come to life is one of the best parts of what we do, and we’re excited to see these investors win.
👉 Thinking about funding your next deal? Let’s talk. DMs are open.
#propertyinvestment #hardmoneylender #realestateinvesting #realestatedevelopment #dmvrealestate #dcdevelopers
Top 3 Deal Killers That Could Cost You Funding!
❌ No Clear Execution Plan: If a borrower has never done a deal before and doesn’t have a solid plan to execute, that’s a red flag. Experience matters, but a well-thought-out strategy matters even more.
❌ Lack of Team & Resources: Even if someone hasn’t developed before, they need to bring the right people to the table. Whether they’ve been a builder, a real estate agent, or an investor, having the right team in place for every phase is crucial.
❌ Unrealistic Exit Comps and Poor Communication: If the numbers don’t make sense, the deal doesn’t make sense. Exit comps need to be supportable, real, and conservative. Plus, responsiveness and transparency go a long way in building trust.
If you’re serious about securing funding, come prepared with a strong plan, a capable team, and comps that hold up. A little prep goes a long way in getting to ‘yes’! ✅
#realestatedevelopment #hardmoneylending #realestatetips #investingtips #fixandflip #propertyinvestment #privatemoney #realestateinvesting
What’s the outlook for interest rates in 2025? 📈
While there’s optimism that rates may dip a few times this year, the big question mark is inflation—and tariffs are playing a key role. By nature, tariffs increase costs, which can fuel inflation and prompt the Fed to keep rates higher for longer.
As Brian explains, this creates a push and pull: the administration works to lower rates, but the Fed focuses on curbing inflation to maintain economic stability. The bottom line? Tariffs and their inflationary impact are critical to watch, especially for those navigating the real estate market.
For real estate investors and developers, this means paying close attention to policy shifts and their ripple effects on the market. Tariffs, inflation, and rate changes are all interconnected, and staying ahead of these trends can make or break a deal in this market.
The bottom line? It’s all about preparation and strategy.
What’s your take on this topic? Are you betting on rates dropping this year? Let us know in the comments! ⬇️
#interestrates2025 #economicinsights #tariffimpact #inflation #realestateinvesting #propertydevelopment #dcrealestate #housingmarket
What does it take to succeed as a real estate investor? 💡
In this episode of The Get Real Estate Podcast, Brian Athey, President of @congressionalcapital, dives into the key qualities that set top investors apart.
✅ Creating a competitive advantage—whether through acquisitions, construction, or design that stands out in any market.
✅ Persistence— roadblocks are inevitable, but staying focused on the best possible outcome can make or break an investor’s trajectory for success.
✅ Integrity—executing with honor and staying true to your values, no matter the challenges that may arise.
Brian’s insights go beyond real estate—they’re a blueprint for anyone striving to achieve success in business and life.
🎧 Catch the full episode for more valuable advice! Link in bio.
#podcast #realestateinvesting #businessgrowth #entrepreneurship #hardmoneylender #realestatetips
It’s been an incredible year working alongside amazing borrowers and investors. Although this year’s market wasn’t easy, it was inspiring to watch our borrowers navigate the ups and downs with determination and vision.
A huge thank you to all friends, borrowers, investors, and the Congressional Capital team for making this year a success. We’re excited to see what we can achieve together in 2025 and can’t wait to keep building on the momentum we’ve created.
As we look ahead to 2025, we’re hopeful, energized, and ready to continue helping our borrowers achieve their goals. Here’s to a healthy, happy, and successful 2025 for you all—where we create memories with friends and family that last a lifetime!
#recap #2024recap #yearinreview #realestateinvesting #hardmoney #dcrealestate
Financing real estate projects can be complicated, but knowing your options makes all the difference! 💰 In this episode of the Get Real Estate Podcast, Brian Athey, President of @congressionalcapital, breaks down the pros and cons of borrowing from traditional banks vs. private lenders like Congressional Capital.
Banks might offer lower rates but come with exhaustive paperwork, stringent personal financial requirements, and higher cash demands like compensating balances. For experienced developers who value time and want flexibility, hard money lending often becomes the go-to choice.
✅ With private lending, borrowers can often secure deals with minimal paperwork, no upfront equity, and faster turnaround times—ideal for those focused on construction and development. Of course, the cost is higher, but for many, the convenience and speed outweigh the expense, helping developers focus on what they do best: building and scaling their projects.
🎧 Whether you’re an investor, developer, or curious about how private lending can fuel real estate success, this episode is packed with valuable insights. Link in bio!
#podcast #realestateinvesting #hardmoneylending #dcrealestate #investmentfunding #realestatedevelopment #fixandflip #hardmoneyloans #hardmoney
During our recent Zoom & Learn session, Jason Pardo, leading attorney in DC real estate law of Pardo Drazin LLC, broke down one of the top reasons developers face structural warranty claims:
⚠️ Ignoring early warnings from homeowner associations. It’s an easy trap to fall into, but it can lead to costly problems.
✅ Our tip? Stay responsive from day one. Even if the issue seems minor, acknowledging and addressing concerns early can prevent disputes and save you a lot of time and money.
Want more insights? Check out the full Zoom & Learn highlights on our YouTube channel! Link in Bio!
#realestate #realestateinvesting #realestatedevelopers #realestatedevelopment #realestatetips #dcha #washingtondc #condodevelopment #condomarket
Community care in action 💙 In the previous episode of the Get Real Estate Podcast, Brian Athey, President of Congressional Capital, LLC, shares the incredible work his wife, Erin, is doing through her company, C3 Cares. With three nursing degrees and a deep commitment to health equity, Erin leads four clinics providing top-tier health care to residents of D.C. housing communities. During the pandemic, she spearheaded mobile health clinics, directly bringing COVID testing and vaccines to neighborhoods that needed them most.In this episode, Brian also discusses his journey as a top lender in the DMV, sharing how building meaningful connections and seeing opportunities others might miss have fueled Congressional Capital's success. 🎧 Whether you’re a developer, investor, or simply curious about hard money lending and real estate investing, this episode offers a unique glimpse into the mind of a top hard money lender in the DMV. 👀 Watch on YouTube: https://lnkd.in/et9UK-GR 🎧 Listen on Spotify: https://lnkd.in/ePDaib6C 🎧 Listen on Apple Podcasts: https://lnkd.in/ebSBkcpu #podcast
A little reminder…
#quotes #reminder #realestate #realestateinvesting #realestatedevelopment #trusttheprocess
The Fed just cut the Fed funds rate by 50 basis points, marking a rare bright spot in what has been a chilly real estate market. So, what does this mean for the fall market? 📉 With rates as low as they’ve been since 2002, this could be the signal we’ve been waiting for!
For investors, this could mean new opportunities to secure more favorable financing terms for your next development or flip. Lower borrowing costs translate to higher potential returns, making it an ideal time to reassess your strategy and take advantage of this window of opportunity
While it’s too early to predict the long-term impact, we’re optimistic that this fall could bring a more robust buying environment, especially in Washington, D.C. 🌆
Lower rates mean potential mortgage relief and new opportunities for savvy investors to jump in and capitalize on improved financing conditions. As the Fed continues to monitor inflation and the labor market, there may be more movement to come.
So, what’s your take? Do you think this rate cut will heat things up? Let us know your thoughts in the comments!
#hardmoneylender #dcrealestate #realestateinvesting #fedratecut #fallmarket #investmentopportunities #realestatedevelopment #housingrates #interestrates
Is Passive Income REALLY that passive? Social media is full of influencers telling us how to make passive income…While many creators earn money even when they’re not on the clock, fewer are forthcoming about the work required to get there.
So, do you think real estate investing is passive income, or is that just a myth influencers like to sell? We want to hear your take below! 👇
#realestate #passiveincome #realestateinvestors #realestatedevelopment #dmvrealestate #passiveincomestream #passiveincomeinvesting #realestateinvesting
Save others from making the same slip-up! ⤵️
As a hard money lender, we know the road to success is paved with lessons learned the hard way.
So, what’s the one mistake you’ll make sure never happens again on your projects?
Drop it in the comments! 👇👇👇
#realestateinvesting #realestatedevelopers #investing #investors #realestate #mistakes #propertyinvesting
#investors #mistakesarelessons
Congressional Capital is Washington, DC's leading hard money lender, and direct private loan provider
