Broker, not a lenderHard Money Lenders inCheyenne, Wyoming
Fix and flip, DSCR rental and new construction financing for Cheyenne 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 Cheyenne deal right now
Prefilled with a realistic Cheyenne 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 Cheyenne
Cheyenne is a government, rail and Air Force town, and that mix keeps resale steadier than its size suggests. The state capitol, F.E. Warren, the Union Pacific yard and a growing data center corridor all put people in houses here. The flip stock is the older brick and frame housing in the Avenues, around downtown and across South Cheyenne, while the north side is mostly newer tract homes that rarely need a full rehab.
What decides a Cheyenne deal is the weather file, not the kitchen. The wind here is relentless and the hail season is real, so shingles, siding and windows take a beating and buyers' inspectors know it. A lot of the south side ranches have full or partial basements, and on the clay east and south of downtown that means seepage, heaving slabs and bowed block walls. Price the envelope and the basement first. The cosmetic scope is usually the easy part.
What a Cheyenne deal looks like on paper
Cheyenne example: $205,000 purchase, $45,000 rehab, $330,000 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%. Picture a 1950s brick ranch south of Lincolnway: new roof after hail, a furnace, a kitchen, and a basement that finally stays dry. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5%)You$10,250
- Origination (2%)Lender$4,795
- Doc prepLender$749
- Broker fee (1%)Broker$2,398
- Title and closingTitle$3,520
- Prepaid interest (15 days)Lender$1,084
- Property insuranceInsurer$2,375
- AppraisalAppraiser$550
Interest while you rehab: $1,785 a month on the $194,750 funded at closing, $2,198 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $13,186 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 Cheyenne
| 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 Cheyenne comps say
Redfin puts the Cheyenne median sale price at $395,000 for the three months ending August 2026, up 5.4% from a year earlier, with homes selling after 20 days on the market on average.
| Median sale price, Cheyenne (Redfin, 3 months to Aug 2026) | $395,000 |
| Change from a year earlier (Redfin) | +5.4% |
| Average days on market, Cheyenne (Redfin) | 20 |
Sources: Redfin, Cheyenne housing market
How a Cheyenne file actually gets priced
Cheyenne comps cleanly inside a neighborhood and badly across town. A renovated ranch in Sun Valley doesn't appraise off a Western Hills sale, and nothing south of the tracks borrows value from the Avenues. We comp inside the same subdivision and the same side of Lincolnway, stick to recent closings, and give the basement its own look: finished square footage below grade counts for less than the listing sheet implies, and an appraiser will note any sign of water.
Dry Creek and Crow Creek run through town, and Cheyenne still remembers the 1985 flash flood that turned streets into rivers, so pull the floodplain map on anything near either channel. Wyoming sits in high radon territory and a buyer's inspector will usually test for it, so a mitigation system is a cheap line to budget up front. Expansive clay shows up in cracked slabs and racked door frames. Permits run through the city's building division, and exterior work inside the downtown historic districts gets extra review.
Who buys your finished Cheyenne deal
The Cheyenne buyer is often military, state employed or a rail family, and a lot of them use VA or FHA financing, so the finished house has to pass a stricter inspection than a cash sale. That buyer pays for a sound roof, a dry basement and working mechanicals more than for designer finishes. New construction on the north and east edges competes above the middle of the market, so the cleanest flips stay near or under the city median. Rents hold up near the base and the capitol, which makes a DSCR refinance a real second exit.
Your whole loan, in one portal
Apply once and the whole Cheyenne 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 Cheyenne
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Cheyenne.
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 Cheyenne
We broker deals across the whole Cheyenne 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.
Cheyenne hard money FAQ
Do you lend hard money in Cheyenne?
Which fix and flip programs apply in Cheyenne?
How fast can a Cheyenne hard money loan close?
How much do I need to bring to close on a Cheyenne flip?
Do you fund the rehab budget in Cheyenne?
What credit score do I need for a Cheyenne fix and flip loan?
Can I refinance a Cheyenne flip into a rental loan?
Can I get a first-flip loan in Cheyenne?
How much should I budget for hail and wind damage on a Cheyenne flip?
Ready to fund your Cheyenne deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.