Projects | Bay Private Capital

Where We Lend

Projects Across the DMV

Every pin is a town where we've funded at least one project — active and closed loans in our current book. Bigger pins, more projects.

Pins mark approximate town centers, not property addresses. We've also funded projects in Florida.

Case Study

What the Numbers Actually Look Like

Before-and-after photos only tell you half of it. Here are projects we funded with the real numbers beside them — what the money cost, how long it took, and what was left at the end.

Before and after renovation of a split-level house in Waldorf, Maryland, funded by Bay Private Capital

Fix & FlipFunded Dec 2025Paid off May 2026No draw schedule

A split level bought on a five-day clock

Waldorf · Charles County, MD

An estate sale with a hard deadline: the seller needed to be at the table in five days, which ruled out a bank before anyone picked up the phone. We funded the full purchase price and the buyer brought his own cash for the renovation, so there was no draw schedule and nothing waiting on an inspector. It sold 149 days later.

The project

Purchase price$220,000

Renovation (his cash)$75,000

All‑in$295,000

Sold for$425,000

Our loan

Loan amount$220,000

Rate & points10% · 2 pts

Loan to sale price52%

Funded to payoff149 days

$13,688 Total cost of the money — he paid off $233,688 on a $220,000 loan

$116,312 Left over after the loan, before selling and carrying costs

Every figure here is the actual number, not an illustration. The $116,312 is what is left after the purchase, the renovation and the loan — it is before agent commissions, transfer taxes, holding costs and taxes, all of which come out of the borrower’s side. Closing fees on a loan like this one are a flat $1,290 today. Your project will have its own numbers; run yours through the calculator.

Before and after renovation of a single family rancher in Bowie, Maryland, funded by Bay Private Capital

Fix & FlipFirst flipHusband and wifePurchase + rehab funded

A first flip, and we funded the renovation too

Bowie · Prince George’s County, MD

A husband-and-wife team who had never flipped a house before, on a single family home they picked up from a wholesaler in a neighborhood buyers actually want. Our loan came to more than the purchase price: it covered the whole $325,000 and another $50,000 of the renovation, so the two of them only had to find about $55,000 of their own money to get moving. It sold 91 days later — well inside our 148-day median.

The project

Purchase price$325,000

Renovation$105,000

All‑in$430,000

Sold for$545,000

Our loan

Loan amount$375,000

Rate & points12% · 2 pts

Loan to sale price69%

Funded to payoff91 days

$18,719 Total cost of the money — $7,500 in points and $11,219 of interest

$96,281 Left over after the loan, before selling and carrying costs

The purchase, renovation, sale price and timeline are the real figures. Interest here is calculated — 12% simple over 91 days — rather than taken from the payoff statement, because this one closed before our current loan book started. The $96,281 is before agent commissions, transfer taxes, holding costs and taxes, all of which come out of the borrowers’ side. Closing fees on a loan like this one are a flat $1,290 today.

The Rest