Broker, not a lenderHard Money Lenders inHuntington, West Virginia
Fix and flip, DSCR rental and new construction financing for Huntington 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 Huntington deal right now
Prefilled with a realistic Huntington deal. Change any number and it reprices instantly on the lanes licensed in West Virginia, using the same engine behind our term sheets.
Financing a deal in Huntington
Huntington is a river town and a college town at once: Marshall University, two large hospitals and the Ohio River floodwall shape almost everything about its housing. The city was laid out on a grid, and the Southside around Ritter Park holds some of the best early 1900s housing in the state, big frame and brick homes with porches. Highlawn and the east end have smaller, older worker housing, and West Huntington has modest houses that trade at low prices. Flips here are cheap to buy and quick to sell when they’re done right.
The Huntington deal is decided by speed. Houses in the city have been selling fast this year, far faster than a year ago, and prices have moved up, which is unusual for a small Appalachian market and good news for the resale. It also means well-priced houses near Ritter Park and Marshall don’t last. On the other side, parts of the west end and Fairfield still have vacant houses left over from years of population loss, and a finished flip there can outrun what the block will pay. Know which part of the grid you’re buying on.
What a Huntington deal looks like on paper
Huntington example: $90,000 purchase, $45,000 rehab, $195,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Imagine a 1920s two-story frame house on the Southside near Ritter Park, 25701, needing a roof, new wiring, a kitchen and a bath. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$13,500
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$2,000
- Title and closingTitle$2,936
- Prepaid interest (15 days)Lender$474
- Property insuranceInsurer$1,283
- AppraisalAppraiser$550
Interest while you rehab: $605 a month on the $76,500 funded at closing, $961 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $5,765 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 Huntington
| 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% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
- 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 Huntington comps say
Redfin puts the Huntington median sale price at $161,000 for the three months ending August 2026, up 7.3% from a year earlier, with homes selling in about 22 days compared to 44 a year ago. Zillow’s home value index for the city is $144,450, up 3.6%. In 25701, the Southside and Ritter Park ZIP where our example sits, Redfin’s median is $198,000 and homes sell in about 15 days.
| Median sale price, Huntington (Redfin, 3 months to Aug 2026) | $161,000 |
| Days on market, Huntington (Redfin) | 22 |
| Zillow home value index, Huntington (Aug 2026) | $144,450 |
| Median sale price, 25701 (Redfin) | $198,000 |
| Days on market, 25701 (Redfin) | 15 |
Sources: Redfin, Huntington WV housing market · Zillow, Huntington WV home values · Redfin, 25701 housing market
How a Huntington file actually gets priced
Cabell County appraisals work from a thin set of sales, so the appraiser leans on the nearest comparable houses of similar age and size. We use closed sales from the same part of the grid within the last 90 days where they exist and stretch to six months when they don’t, and we won’t mix a Southside four-bedroom with a West Huntington two-bedroom. Porches, original woodwork and a second bath help. A house on a block with visible vacancy will be adjusted down no matter what you put inside it.
The city sits behind the Ohio River floodwall built after the 1937 flood, which protects most neighborhoods, but check the flood map on anything near the Guyandotte River or outside the wall. The early 1900s houses bring knob and tube wiring, old roofs, settling porches and lead paint, and many have stone or block foundations that need tuckpointing and drainage. West Virginia requires a state contractor license once a job passes a modest dollar amount, so check your trades before you sign. Look up the address for code enforcement or demolition orders, especially on the west side.
Who buys your finished Huntington deal
Finished Huntington houses sell to Marshall faculty and staff, nurses and doctors at the two hospitals, and local first-time buyers, many using FHA or VA. Near campus the buyer can just as easily be a landlord renting to students, so decide early whether you’re finishing for an owner or pricing for rent. The rental math is strong at these purchase prices, which makes a DSCR refinance a real exit if the sale is slow.
Your whole loan, in one portal
Apply once and the whole Huntington 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 Huntington
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Huntington.
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 Huntington
We broker deals across the whole Huntington 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 West Virginia, 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.
Huntington hard money FAQ
Do you lend hard money in Huntington?
Which fix and flip programs apply in Huntington?
How fast can a Huntington hard money loan close?
How much do I need to bring to close on a Huntington flip?
Do you fund the rehab budget in Huntington?
What credit score do I need for a Huntington fix and flip loan?
Can I refinance a Huntington flip into a rental loan?
Is Huntington, WV a good place for a first flip?
Should I flip or rent near Marshall University?
Before you sign anything
Ready to fund your Huntington deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.