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Clear Sky Financial

Clear Sky Financial

Burke, Virginia
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Clear Sky Financial

9406 Jackson Street, Burke, Virginia 22015
(571) 427-0367
FastResponse@CSkyFinancial.com
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$290M+
Capital Deployed
2013
Year Founded
Clear Sky Financial (CSF) is a true asset-based hard money lender headquartered in Burke, Virginia, founded in 2013 by Charlie Einsmann and Sam Jacknin. The CSF founding team has personally acquired, renovated, and sold over 300 properties in the DC/VA/MD market since 2009 - bringing direct operator expertise to every lending decision. CSF lends its own capital in Washington DC, Maryland, Virginia, and parts of North Carolina, with a focus on residential investment properties. With $290M+ in total funded loans and 89 loans closed in the past 12 months, CSF has built a strong repeat borrower base in the DMV market. Known for its rare PRE-DRAW capability (advancing rehab funds before work is completed), same-day close capability, no credit check, no personal guaranty requirement, and contractor network access, CSF is the go-to hard money lender for serious DMV investors.

Key Differentiators

Why investors choose this lender:

  • $290M+ deployed — strong capital track record in the DC, Maryland, and Virginia investment corridor
  • DMV specialists — deep expertise in DC, Northern Virginia, Maryland, and select North Carolina markets
  • Fix-and-flip, bridge, and DSCR — three programs covering the full residential investor lifecycle in the DMV market
  • Burke VA HQ — Northern Virginia-based team with direct relationships across the DC metro investment market
  • Direct local balance sheet capital — relationship-driven underwriting with fast local decisions

Where They Lend

Local
DC, MD, VA, NC (parts)
Clear Sky Financial lends in Washington DC, Maryland, Virginia, and parts of North Carolina. Active markets: DC metro, Northern Virginia, Baltimore, and select NC markets. Residential investment properties only. No owner-occupied, no land, no ground-up construction.

Loan Types, Structures and Terms

$100,000 to $1,500,000
Typical Loan Amounts
6 to 12 Months
Typical Terms
12% to 15%
Typical Interest Rates
2% to 5%
Typical Points
Clear Sky Financial offers Fix-and-Flip (75% ARV, 80-90% LTC, pre-draws), Buy-and-Hold/BRRRR (70-75% ARV, 80-90% LTC), and Bridge/Multi-Collateral (70% LTV) loans in DC, MD, VA, and parts of NC. $100K to $1.5M.
Fix-and-Flip
Rental (DSCR)
Short-Term Bridge
Clear Sky Financial Fix-and-Flip loans offer up to 75% ARV and 80-90% LTC for DMV investors with rare PRE-DRAW capability (funds advanced before work is complete), no credit check, no personal guaranty, and same-day closes.
Fix & Flip FeatureStructure & Terms
Project TypesSFR, 2-4 units, condos, multifamily in Washington DC, Maryland, Virginia, and parts of North Carolina. Fix-and-flip, rehab-to-sell, and renovate projects. No owner-occupied. No ground-up construction. No land. No gap funding. No 2nd position. Vacant properties only.
Loan Limits & Terms$100,000 to $1,500,000 | Up to 12 months | Interest-only, first-lien | No prepayment penalty | Property under contract required | Proof of funds letters available | Auction purchases accepted
Rates & Fees12% to 16% interest rate | 2 to 5 points origination | $250 per draw + inspection fee | No credit check | No application fee | No income check | No prepayment penalty | Interest on full project cost amount
Leverage (LTC/ARV)Up to 75% ARV | 80-90% LTC | Max 100% of renovation costs funded | Max 85% LTP (purchase price) | Cross-collateral available for additional leverage
PRE-DRAWSPRE-DRAWS available - funds advanced BEFORE work is complete. This is CSF's most popular product feature and a rare capability in the hard money market. Pre-draws eliminate contractor cash flow gaps that delay projects. Use FlipperForce's Project Budgeter to model your draw schedule before closing with CSF.
Key AdvantagesPre-draws (funds before work done). No credit check. No personal guaranty. No income check. No appraisal (BPO accepted). Close in 1 day (title dependent). 1-page term sheet. 300+ properties flipped by founders in DMV since 2009. Contractor network access. Cross-collateral leverage. Transactional funding for wholesalers.
Clear Sky Financial Buy-and-Hold/BRRRR loans provide short-term bridge financing for DMV investors holding or refinancing investment properties, with 70-75% ARV, 80-90% LTC, 12-15% interest, and same-day close capability.
Buy-and-Hold FeatureStructure & Terms
Program DescriptionClear Sky Financial's Buy-and-Hold program provides short-term bridge financing for DC/MD/VA investors acquiring or holding investment properties with the intent to rent and eventually refinance. This is the bridge phase of the BRRRR strategy - CSF funds the acquisition and rehab, while the investor lines up a long-term DSCR rental refinance exit. Use FlipperForce's BRRRR Analyzer to model your rental exit DSCR before committing.
Property TypesSFR, 2-4 units, condos, multifamily. Vacant properties. Washington DC, Maryland, Virginia, and parts of North Carolina. No owner-occupied. No land. No ground-up construction. 1st lien only.
Loan Limits & Terms$100,000 to $1,500,000 | Up to 12 months | Interest-only, first-lien | No prepayment penalty | Can close in 1 day (title dependent)
Rates & Leverage12% to 15% interest rate | 2 to 4 points origination | 70-75% ARV | 80-90% LTC | No credit check | No income check | No appraisal (BPO accepted) | No personal guaranty required
Key AdvantagesNo credit check. No personal guaranty. No appraisal. Same-day close. Cross-collateral available for added leverage. Founders personally own and operate rental portfolios in the DMV market. Use FlipperForce's BRRRR Analyzer before applying to model your projected DSCR at the planned long-term refinance exit.
Clear Sky Financial Bridge loans provide short-term multi-collateral capital for DC, MD, VA, and NC investors at up to 70% LTV, with cross-collateral leverage, no credit check, no personal guaranty, and same-day close capability.
Bridge Loan FeatureStructure & Terms
Use CasesShort-term bridge and multi-collateral loans for acquisitions, transitional holds, and investment refinances in Washington DC, Maryland, Virginia, and parts of North Carolina. Transactional funding available for wholesalers. Cross-collateral financing using multiple assets for additional leverage. Investment refinances accepted. No owner-occupied. No land. No gap funding. No 2nd position.
Property TypesResidential and commercial property types accepted for bridge collateral (commercial appraisal always required). SFR, 2-4 units, condos, multifamily, industrial, mobile home parks. Multiple asset types accepted. Vacant properties only. 1st lien primary - 2nd liens considered depending on loan factors.
Loan Limits & Terms$100,000 to $1,500,000 | Up to 6 months | Interest-only, first-lien | No prepayment penalty | Proof of funds letters available | Auction purchases accepted
Rates & Leverage12% to 15% interest rate | 2 to 5 points origination | Up to 70% LTV | Multiple asset collateral types | No credit check | No income check | No appraisal on residential (BPO accepted) | Commercial appraisal always required | No personal guaranty
Key AdvantagesNo credit check. No personal guaranty. No appraisal (residential). 1-day close (title dependent). Cross-collateral available. Transactional funding for wholesalers. Equity sources include partners, seller financing, crowdfunding, gap lenders, and equity in primary residence. Direct lender - own balance sheet capital.
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Borrower Qualifications (Are you qualified?)

Clear Sky Financial requires no credit check, no income verification, and no appraisal. Asset-based underwriting focused on ARV and project scope. Minimum 1 prior project. No personal guaranty required. Individual, LLC, LP, Trust, Corp, and Self-Directed IRA all accepted.
Qualification ParameterLender Requirements
Experience LevelsMinimum 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.
Credit RequirementNo Credit Check Required. CSF is a true asset-based lender - no credit pull, no income check, no application fee. No appraisal required (BPO accepted). Lending is based strictly on the after-repair value of the asset and the project scope. No personal guaranty required - unusual for hard money lenders.
Income VerificationNo 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.
Entity RequirementIndividual, 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.

Underwriting Process (How long will it take to get approved?)

No credit check, no income check, no application fee. Asset-based underwriting strictly on ARV. 1-page term sheet - sign and return. Fastest close: 1 day after title. No appraisal required (BPO accepted). No personal guaranty required.
Stage / RequirementProcess & Timelines
ApplicationNo formal application required. No application fee. No credit check. No income verification. 1-page term sheet - sign and return. Contact CSF directly with property address, ARV estimate, and project scope. True asset-based review focused entirely on the property value and project plan.
Property ValuationLends strictly on After-Repair Value (ARV). No formal appraisal required on residential properties - BPO accepted. Commercial appraisal always required. CSF founding team has personally renovated 300+ DMV properties since 2009 - providing market-level ARV expertise with no third-party delays.
Speed to CloseClose in as little as 1 day once title work is complete. No middlemen. No committees. CSF lends directly from its own balance sheet. Typical close: 10 days. Proof of funds letters available. Auction purchases accepted. Cross-collateral available for deals requiring additional leverage.
Document ChecklistProperty address, ARV, and project scope. 1-page term sheet. No W-2s, no tax returns, no credit report. Minimum 1 prior deal required. No personal guaranty required - unusual among hard money lenders. Individual, LLC, LP, Trust, Corp, and Self-Directed IRA all accepted as borrower entity.

Draw Process (How long will it take to get draws?)

Clear Sky Financial offers PRE-DRAWS on Fix/Flip/Renovate loans - funding rehab budget advances BEFORE work is completed. This is rare among hard money lenders and a major advantage for investors managing contractor cash flow. Draw fee: $250 per draw + inspection. Use FlipperForce to coordinate your draw schedule and keep contractors paid on time.
Operational StepMethodology & Timelines
PRE-DRAW SystemPRE-DRAWS available on Fix/Flip/Renovate loans. Clear Sky Financial advances rehab draw funds BEFORE work is completed - a rare capability that protects contractor cash flow and keeps projects on schedule. This is CSF's most popular feature and a key differentiator from lenders that only reimburse after work is done. Interest charged on full project cost amount.
Inspection MethodProgress inspections may be required depending on the project. No formal appraisal required - BPO accepted. CSF founding team has personally renovated 300+ properties in the DMV market, providing construction-level expertise during draw review. Same-day draw funding capability.
Funding TurnaroundSame-day draw funding. CSF's pre-draw model means contractors can be paid before milestone completion - eliminating the cash gap that causes most rehab project delays. Use the FlipperForce Scheduler and Project Budgeter to coordinate draw requests and track real-time budget variance throughout your project.
Draw Fees$250 per draw + inspection fee. Interest charged on full project cost amount (not just drawn funds). No prepayment penalty. 1-page term sheet. No application fee. Contractor network access available to active CSF borrowers - helping connect investors with vetted DMV contractors during renovation.