Private Lending Insights

Charlie Einsman, Co-Founder of Clear Sky Financial spoke with Rocky Butani to share some insights about real estate investing and lending in the DMV region (DC, Maryland, Virginia). Find out what's happening with real estate in each of the 3 states (2025 Q1), learn about Clear Sky's unique lending program for real estate investors, and more.

Visit Clear Sky's profile on PrivateLenderLink.com to learn more and to contact them: 

https://privatelenderlink.com/profile/clear-sky-financial/?utm_source=lender-link-podcast

This interview is Episode #9 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/

00:00 Intro & Guest Overview   

00:43 DMV Market Snapshot   

01:46 Northern Virginia Trends   

02:48 DC Market Challenges   

04:18 Maryland Market Overview   

05:09 Lending by Neighborhood   

06:13 Central Virginia Outlook   

07:53 Fredericksburg Heat Map   

09:02 DC Office Space Collapse   

11:03 Reviving Downtown DC   

12:07 Hot DC Neighborhoods   

12:53 Baltimore Insights   

14:12 Lending in Low-Value Areas   

16:21 First-Time Buyer Programs   

18:09 Investing in Annapolis   

19:49 Gaithersburg to Frederick   

21:48 Buy & Hold Criteria   

23:25 Why Rentals Don’t Cash Flow   

26:04 Clear Sky Loan Program   

29:10 Flexible Lending Approach   

30:56 Vetting New Investors   

32:38 Liquidity & Cash at Close   

33:56 Pre-Draw Funding Explained   

35:22 Draw Process & Inspections   

36:42 Rates, Points & Flexibility   

38:42 Extensions & Loan Terms   

40:24 Lending to Foreign Nationals   

42:47 Foreclosure Scenarios   

44:48 Loan Amount Ranges   

46:15 Regional vs. National Lenders   

47:39 Fees & Speed to Close   

49:59 Meet the Clear Sky Team   

51:31 How They're Funded   

54:07 2025 Market Forecast   

56:07 Tech Driving Demand   

57:09 Final Thoughts & Contact Info