Broker, not a lenderHard Money Lenders inFort Wayne, Indiana
Fix and flip, DSCR rental and new construction financing for Fort Wayne 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 Fort Wayne deal right now
Prefilled with a realistic Fort Wayne deal. Change any number and it reprices instantly on the lanes licensed in Indiana, using the same engine behind our term sheets.
Financing a deal in Fort Wayne
Fort Wayne is a fast, steady market where houses don’t sit long. The older core, the ’07 neighborhoods around South Wayne and Harrison Hill, plus Lakeside and North Anthony across the rivers, is full of 1910s to 1930s foursquares, bungalows and Craftsman houses on tree-lined streets. Outside that ring the city turns into postwar ranches and 1960s and 70s tri-levels. A flip that fixes the systems and keeps the old character tends to sell quickly.
Speed is the story in Fort Wayne. Finished houses go under contract in a couple of weeks, which keeps carry costs low, but it also means wholesalers and local investors grab the good inventory fast. The edge comes from knowing which older streets hold value: the 46807 and 46805 neighborhoods with sidewalks and mature trees pay up for a well-done renovation. Price your rehab against what those buyers expect, which is updated mechanicals and a real kitchen, not luxury finishes.
What a Fort Wayne deal looks like on paper
Fort Wayne example: $140,000 purchase, $45,000 rehab, $255,000 after repair value, 730 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Imagine a 1920s foursquare near Harrison Hill in 46807 with original oak trim, a single bath, a forced-air furnace at the end of its run and a kitchen nobody has touched since the 1980s. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (10% of purchase plus rehab)You$18,500
- Origination (2.13%)Lender$3,538
- Lender fees (flat)Lender$2,790
- Broker fee (1%)Broker$2,000
- Title and closing (estimate at Texas rates)Title$3,159
- Prepaid interest (15 days)Lender$684
- Property insuranceInsurer$1,758
- AppraisalAppraiser$550
Interest while you rehab: $1,011 a month on the $121,500 funded at closing, $1,386 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $8,317 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 Fort Wayne
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| 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, 5+ Flips3 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips4 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
| Fastest Close (3 days) | 10% | No minimum | First flip OK | 11.99% | 2% | 75% of ARV | 6 months | 72 hours |
- 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 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 Fort Wayne prices sit right now
Before we price a Fort Wayne 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 Fort Wayne median sale price at $235K for the three months ending September 2026, up 5.3% from a year earlier, with homes selling in about 14 days compared to 17 a year ago.
| Median sale price, Fort Wayne (Redfin, 3 months to Sep 2026) | $235K |
| Change from a year earlier (Redfin) | +5.3% |
| Days on market, Fort Wayne (Redfin) | 14 |
Sources: Redfin, Fort Wayne housing market
How a Fort Wayne file actually gets priced
Allen County appraisers lean on closed sales inside the same neighborhood association, and Fort Wayne has a lot of them, each with its own price level. We set the after repair value on renovated sales of the same era within a few blocks, so a Harrison Hill foursquare is compared to other prewar houses there, not to a 1970s ranch in the southwest suburbs. Basements count here, finished or not, and the appraiser will note a wet one. Northwest Allen schools carry a premium, and comps from that district won’t transfer to a city school address.
Three rivers meet in downtown Fort Wayne, the St. Marys, the St. Joseph and the Maumee, and the 1982 flood is why the city has the levees and floodwalls it has today. Lakeside, Spy Run and blocks along the St. Marys still need a flood map check. Prewar houses bring fieldstone or block basements, galvanized plumbing and lead paint. Building permits run through the Allen County Building Department, and West Central and Williams Woodland Park are locally designated historic districts where exterior changes need review first.
Who buys your finished Fort Wayne deal
The finished Fort Wayne house sells to a buyer from Parkview Health, Lutheran Health Network, the GM truck plant south of town, the defense contractors or Purdue Fort Wayne. First-time buyers dominate the older neighborhoods, often on FHA, so expect a careful inspection. Doubles near downtown and in North Anthony also hold well as rentals, and a DSCR refinance is a fair backup if the sale stretches. Price to the strongest renovated sale on your street, not the neighborhood average.
Your whole loan, in one portal
Apply once and the whole Fort Wayne 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 Fort Wayne
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Fort Wayne.
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 Fort Wayne
We broker deals across the whole Fort Wayne 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 Indiana, 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
As little as 72 hours on the fastest program, 7-30 days on the others. We stay on title and the lender through funding.
Fort Wayne hard money FAQ
Do you lend hard money in Fort Wayne?
Which fix and flip programs apply in Fort Wayne?
How fast can a Fort Wayne hard money loan close?
How much do I need to bring to close on a Fort Wayne flip?
Do you fund the rehab budget in Fort Wayne?
What credit score do I need for a Fort Wayne fix and flip loan?
Can I refinance a Fort Wayne flip into a rental loan?
Can I get a hard money loan for my first flip in Fort Wayne?
Do Fort Wayne houses really sell that fast?
Before you sign anything
Ready to fund your Fort Wayne deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.