Broker, not a lenderHard Money Lenders inCasper, Wyoming
Fix and flip, DSCR rental and new construction financing for Casper 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 Casper deal right now
Prefilled with a realistic Casper deal. Change any number and it reprices instantly on the lanes licensed in Wyoming, using the same engine behind our term sheets.
Financing a deal in Casper
Casper runs on energy, and anyone flipping here should read the oil and gas cycle before they read the comps. When the rigs are busy, workers need houses and the entry-level market tightens. When prices fall, the same houses sit. The central neighborhoods near downtown and North Casper hold the oldest stock, the east side is mid-century and 1970s subdivisions, and Paradise Valley across the North Platte is a quieter move-up pocket.
The Casper flip is a timing trade as much as a construction one. Watch what the energy employers and the hospital are doing, keep the scope tight enough to finish in one season, and price the exit for the buyer who is actually in town that month. Split levels and ranches with basements dominate, and moisture below grade on the bentonite-heavy ground is the single most common surprise.
What a Casper deal looks like on paper
Casper example: $170,000 purchase, $45,000 rehab, $290,000 after repair value, 730 credit, 4 to 10 flips completed. The engine puts that borrower on the 5% Down, 3+ Flips program at 11.00%. Think a 1960s split level in central Casper with a tired kitchen, original baths and a basement whose drainage needs sorting. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5%)You$8,500
- Origination (2%)Lender$4,130
- Doc prepLender$749
- Broker fee (1%)Broker$2,065
- Title and closingTitle$3,356
- Prepaid interest (15 days)Lender$933
- Property insuranceInsurer$2,043
- AppraisalAppraiser$550
Interest while you rehab: $1,480 a month on the $161,500 funded at closing, $1,893 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $11,358 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 Casper
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Experienced Investor Rate1 | 15% | 680+ | 2+ completed flips | 9.00% | 0.75% | 75% of ARV | 12-24 months | 7-14 days |
| 5% Down, 3+ Flips2 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips3 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- 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.
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 September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Casper comps say
Redfin puts the Casper median sale price at $320,000 for the three months ending August 2026, up 6.7% from a year earlier. Homes sold after 32 days on average, slower than 21 days a year before.
| Median sale price, Casper (Redfin, 3 months to Aug 2026) | $320,000 |
| Change from a year earlier (Redfin) | +6.7% |
| Average days on market, Casper (Redfin) | 32 |
Sources: Redfin, Casper housing market
How a Casper file actually gets priced
We comp Casper inside the same side of the river and the same era of subdivision, because a Paradise Valley sale says little about a house in North Casper. Sales volume is healthy for a town this size, but the pool of truly renovated comps is thinner, so the appraiser often leans on adjusted sales. We'd rather size the loan to a conservative ARV than to the one sale that makes the math work, and we want the basement square footage stated honestly.
The North Platte floodplain and the creeks that feed it matter on the west and north sides, so check the map before you commit. Bentonite swells when it gets wet and shrinks when it dries, which is why Casper foundations crack and slabs heave. Grading, gutters and downspouts pay for themselves. Casper Mountain funnels wind and hail into town, radon testing is routine, and work that touches structure or drainage goes through the city's permit process.
Who buys your finished Casper deal
A finished Casper house usually sells to someone who works in energy, health care or the public sector, and many of them finance with FHA or VA, so the house has to inspect clean. Under the city median the buyer pool is deepest. Above it, days on market stretch, and a flip that relies on a top-of-market sale is exposed if the oil price turns. Rents are solid near the hospital and downtown, so plenty of Casper flips end as DSCR refinances.
Your whole loan, in one portal
Apply once and the whole Casper 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 Casper
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Casper.
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 Casper
We broker deals across the whole Casper 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 Wyoming, 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
7 to 10 days typical. We stay on title and the lender through funding.
Casper hard money FAQ
Do you lend hard money in Casper?
Which fix and flip programs apply in Casper?
How fast can a Casper hard money loan close?
How much do I need to bring to close on a Casper flip?
Do you fund the rehab budget in Casper?
What credit score do I need for a Casper fix and flip loan?
Can I refinance a Casper flip into a rental loan?
Does the oil and gas cycle change how you look at a Casper flip?
Do you need completed flips for a Casper fix and flip loan?
Ready to fund your Casper deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.