Chesapeake, Virginia

Real estate that serves
people and community.

Lone Oak Capital Holdings acquires and operates residential real estate in Hampton Roads, with a focus on transitional and recovery housing that creates lasting stability for individuals and families.

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A family-owned holding company rooted in Hampton Roads.

Founded by David and David Palmer Sr., Lone Oak Capital Holdings is a private real estate investment company based in Chesapeake, Virginia. We acquire single-family residential properties through creative financing strategies and operate them in partnership with established recovery and transitional housing operators.


We are long-term holders, not flippers. Every acquisition is evaluated for its ability to generate consistent returns while serving a genuine community need.

Creative Financing

We work directly with sellers and partner with real estate professionals to structure flexible, win-win transactions with no unnecessary delays or complexity.

Operator Partnerships

We work alongside established operators to ensure properties are managed with accountability and care, creating stable outcomes for residents and neighbors alike.

Private Capital

Through our self-directed retirement accounts, we deploy private lending capital into qualified real estate transactions at competitive rates.

Where we invest and how.

Our strategy is concentrated in the Hampton Roads, Virginia market, targeting residential properties that align with our mission and our buy box.

01

Transitional Housing

4 to 6 bedroom single-family homes operated as recovery and sober living residences in partnership with certified housing operators.

02

Private Lending

We provide short-term bridge capital to qualified real estate operators, secured by first-position liens at conservative loan-to-value ratios.

03

Long-Term Holds

We build a stabilized portfolio of cash-flowing residential assets, accumulating equity and income across market cycles.

Built to create both return and impact.

We believe the most durable real estate investments are the ones that solve a real problem. Recovery housing in Hampton Roads is chronically undersupplied. We are working to change that, one property at a time.

"Lone Oak Capital Holdings acquires and operates residential real estate in Hampton Roads, generating returns for our investors while providing stable, dignified housing for people in recovery."

Let's connect.

Whether you're a seller, a real estate professional with an off-market opportunity, a capital partner, or an operator looking for housing, we'd like to hear from you.

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