Monument City Capital | Private Lending Built by Operators, Trusted by Investors
Hard Money Lending

Private Lending. Built By Operators. Trusted By Investors.

Fast, asset-backed financing for real estate investors, with a focus on Maryland and South-Central Pennsylvania. Built by an owner-operator who understands what it takes to close, renovate, and grow.

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24 Hour
Loan Approvals
No Appraisal
Required
24-48 Hours
To Close
After receiving clear title
100%
Purchase & Rehab
Up to 70% ARV
Loan Programs

Lending Built Around Your Business

Residential investment lending designed with the borrower in mind. Work directly with our team from application to payoff, with 24-hour approvals and closings as quickly as title allows.

Fix and Flip

Acquisition and renovation financing for your next investment property. Up to 100% of purchase and rehab costs on qualifying projects, with fast draws that keep your renovation on schedule.

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Rental Loans / BRRRR

Finance the purchase and/or renovation of a rental property today, then refinance into a long-term loan when the property is stabilized. Build your rental portfolio with a lending partner who understands the BRRRR strategy from experience.

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Transactional Funding

Fast funding designed for double closings. Move quickly, protect your assignment fee, and close with confidence.

Explore Transactional Funding
Shaun Magner, Founder of Monument City Capital, at a renovation project
Our Philosophy

Built to Help You Build

“Our lending is grounded in real operator experience. We have done these deals, borrowed hard money, and built and operated portfolios just like the ones we finance today.”

Shaun Magner, Founder

Monument City Capital was built on a simple idea: great lending is about more than providing capital. After years of buying, renovating, and growing his own real estate portfolio, Shaun Magner experienced firsthand the value of working with a lender who understood what he was trying to accomplish. That experience shaped Monument City Capital into a lending company built on responsiveness, transparency, and long-term relationships with the borrowers we serve.

We do not just finance projects. We help our borrowers build their businesses. That means understanding their goals, sharing the perspective that comes from being an investor ourselves, and helping them make informed decisions along the way. Sometimes that means moving quickly to fund a great opportunity. Other times, it means advising a borrower to pass on a deal or explaining what they can do to strengthen a future loan request.

Our goal is not simply to fund your next project. It is to become the lending partner you trust as your business grows.

Where We Lend

The Markets We Know Best

We primarily lend throughout Maryland and South-Central Pennsylvania because local knowledge matters. We lend where experience gives us an edge, allowing us to move quickly, evaluate opportunities with confidence, and better serve the real estate investors we work with. While our focus remains local, we are always open to discussing the right opportunity.

Monument City Capital lending markets across Maryland and South-Central Pennsylvania, including Baltimore, Annapolis, Hagerstown, Frederick, and Ocean City in Maryland and Harrisburg, York, Lancaster, Chambersburg, and Gettysburg in Pennsylvania
Learning Center

Insights from the Field

Whether you are funding your next project or exploring real estate investing, our Learning Center brings together practical resources, market insights, and lessons learned from years of investing and lending experience.

Borrower Resources

Tools, guides, and practical resources to help you evaluate opportunities, navigate the lending process, and move forward with confidence. Explore our deal calculator, draw process, lending terms, and more.

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The Blog

Articles on hard money lending, private real estate investing, the Maryland and South-Central Pennsylvania real estate markets, and the real-world experiences that shape how we lend. Practical insights for borrowers and anyone interested in building long-term wealth through real estate.

Read the Latest

What Our Borrowers Have to Say

Meet the People Behind Your Loan

Small Team. Serious Expertise.

A small team built around responsiveness, experience, and relationships. When you work with Monument City Capital, you will work directly with the people who know your deal, understand your goals, and are invested in your success.

Shaun Magner, Founder of Monument City Capital
Shaun Magner
Founder

After years of wholesaling, flipping, and building a long-term rental portfolio, Shaun founded Monument City Capital to become the lending partner he wished he had while growing his own real estate business. Today, he personally reviews every loan, helping borrowers structure opportunities and make informed investment decisions backed by real-world investing experience.

Bonnie Neuss, Director of Operations at Monument City Capital
Bonnie Neuss
Director of Operations

With nearly four decades of mortgage experience and more than five years in hard money lending, Bonnie oversees the systems that keep every loan moving from settlement to settlement. Her responsiveness and attention to detail anchor a smooth borrower experience from application through payoff.

Questions?

We've Got Answers.

Whether you are funding your first investment property or your fiftieth, we have answered the questions we hear most often about our lending process, loan programs, and what it is like to work with Monument City Capital.

How fast can you close?
We deliver loan approvals within 24 hours of receiving necessary documentation and can close within 24-48 hours of receiving clear title. Shaun reviews every deal directly, so there are no committees slowing things down.
What types of loans do you offer?
Fix and Flip, Rental/BRRRR, and transactional loans on residential investment property across Maryland and South-Central Pennsylvania. We are a direct lender, so no broker fees and no prepayment penalty.
What are your rates and points?
Pricing is tailored to each deal based on the property, your experience, and your profile. We offer a 6-month term with extensions available. Hard money rates average 10-14% interest and 2-4 points, and we price competitively within that range. Use our See Your Rate tool for a personalized estimate, or talk it through directly with Shaun.
How much can I borrow?
On qualifying projects, we can fund up to 100% of the purchase price and 100% of the renovation costs, provided the total loan amount does not exceed 70% of the property's after-repair value (ARV). Every loan is underwritten in-house, and no appraisal is required.
How does the draw process work?
After closing, you will use Sitewire, our free draw management app, to upload progress photos and request a draw from your phone. Once approved, funds are typically released within 24 hours to help keep your project moving.
Do you work with brokers?
Yes. We value our relationships with referring brokers and work hard to protect them. Your client remains your client.
Visit Our Brokers Page
For Brokers

Broker a Deal with Us

A trusted financing resource for your clients. Fast decisions, local underwriting expertise, and broker protection on every transaction.

Broker with Us
For Accredited Investors

Generate Monthly Income

Learn how accredited investors earn monthly distributions through a professionally managed portfolio of first-lien real estate loans.

Explore the Income Fund
Income Fund offerings are available only to accredited investors pursuant to Rule 506(c) of Regulation D. Preferred returns of 10-11% are targeted and not guaranteed.