Broker, not a lenderHard Money Lenders inBellevue, Washington
Fix and flip, DSCR rental and new construction financing for Bellevue investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Bellevue deal right now
Prefilled with a realistic Bellevue deal. Change any number and it reprices instantly on the lanes licensed in Washington, using the same engine behind our term sheets.
Financing a deal in Bellevue
Bellevue is the Eastside job center, with big tech offices downtown and along the 520 and I-90 corridors, and the school district is a draw on its own. That makes it one of the most expensive flip markets we price. The fixers are the 1950s and 1960s ramblers and split levels in Lake Hills, Crossroads, Eastgate and Newport Hills, built on generous lots when this was a commuter suburb. Downtown condos and the newer neighborhoods rarely sell as true fixers.
Every Bellevue flip is really a contest with the builder down the street. A dated rambler on a wide lot often sells as a teardown for a new house, and the price the seller wants may already be a land price. The flip works when the house is worth keeping: solid framing, a usable layout and a lot that does not invite a bigger build. Know what a builder would pay for the same lot before you bid, because that is your real competition.
What a Bellevue deal looks like on paper
Bellevue example: $1,050,000 purchase, $170,000 rehab, $1,650,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Think a 1960s Lake Hills split level on a big lot in 98008: new windows and siding, a rewired main floor, an opened kitchen, two new baths and a finished lower level. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15% of the purchase)You$157,500
- Origination (0.5%)Lender$5,313
- Lender fees (flat)Lender$1,989
- Broker fee (1%)Broker$7,656
- Title and closing (estimate at Texas rates)Title$7,530
- Prepaid interest (15 days)Lender$4,144
- Property insuranceInsurer$11,590
- AppraisalAppraiser$550
Interest while you rehab: $7,058 a month on the $892,500 funded at closing, $8,403 once every draw is out. Proof of funds is cash to close plus $34,000 of rehab reserve and $50,416 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Bellevue
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 70% of ARV | 12 months | 5-14 days |
| First Flip, 10% Down1 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips2 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips3 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips4 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips5 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Bellevue prices sit right now
Before we price a Bellevue flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.
Redfin puts the Bellevue median sale price at $1,500,000 for the three months ending September 2026, down 1.4% from a year earlier, with homes selling after 24 days on the market on average, compared to 18 a year earlier.
| Median sale price, Bellevue (Redfin, 3 months to Sep 2026) | $1,500,000 |
| Change from a year earlier (Redfin) | -1.4% |
| Average days on market, Bellevue (Redfin) | 24 |
Sources: Redfin, Bellevue WA housing market
How a Bellevue file actually gets priced
The balance is the first hurdle here. A Bellevue fixer runs past a million dollars before rehab, and plenty of lenders cap a single loan below that, so we match the file to a lender that wants the size before we talk leverage. Appraisers comp by school attendance area and lot, then by finish. A remodeled split level competes with new construction in the same subdivision on price per foot, and a finished lower level counts at a discount to the main floor.
Bellevue regulates critical areas, including steep slopes along the ravines and stream buffers near Kelsey Creek and the lake shores, and any work inside one adds studies and review time. The city also protects significant trees on residential lots, which can limit additions and driveways. Some older plats carry recorded covenants on height or views. Permits go through City of Bellevue Development Services, and inspection calendars fill during the summer building rush.
Who buys your finished Bellevue deal
The buyer for a finished Bellevue house is a tech or health care household, often with a large down payment or a jumbo loan, who has toured the new builds and knows what a fresh house costs. They pay for a clean inspection, updated systems and a layout that works from home. Light rail through Wilburton and the Spring District adds a pull for nearby streets. A DSCR hold rarely pencils at these prices, so plan on the sale.
Your whole loan, in one portal
Apply once and the whole Bellevue loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Bellevue
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Bellevue.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Bellevue
We broker deals across the whole Bellevue market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Washington, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
5-14 days to fund. We stay on title and the lender through funding.
Bellevue hard money FAQ
Do you lend hard money in Bellevue?
Which fix and flip programs apply in Bellevue?
How fast can a Bellevue hard money loan close?
How much do I need to bring to close on a Bellevue flip?
Do you fund the rehab budget in Bellevue?
What credit score do I need for a Bellevue fix and flip loan?
Can I refinance a Bellevue flip into a rental loan?
Can a hard money loan cover a Bellevue flip over a million dollars?
Should I flip a Bellevue rambler or sell it to a builder?
Before you sign anything
Ready to fund your Bellevue deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.