Hard Money Lenders in Huntington, WV | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard 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.

Get a term sheet →Price a Huntington deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Huntington deal right now

Prefilled with a realistic Huntington deal. Change any number and it reprices on the programs that lend in West Virginia, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

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 big early 1900s 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, 700 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.

Loan amount$121,500
Cash to close$24,556
Proof of funds to show$43,821
Where the $24,556 goes
  • Down payment (15% of the purchase)You$13,500
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$2,936
  • Prepaid interest (15 days)Lender$298
  • 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.

Fix and flip programs in Huntington

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. 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.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. 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.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Huntington prices sit right now

Before we price a Huntington 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 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.

What happens after you apply

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.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Huntington

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in West Virginia →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in West Virginia →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in West Virginia →

Where we lend in Huntington

We broker deals across the whole Huntington market. The submarkets investors ask us about most are Southside and Ritter Park (25701), Highlawn (25702), Guyandotte (25702), West Huntington and Westmoreland (25704), Walnut Hills (25705) and Fairfield (25701).

How long does a Huntington loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in West Virginia, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund. We stay on title and the lender through funding.

Huntington hard money FAQ

Do you lend hard money in Huntington?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Huntington scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in West Virginia, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Huntington?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Huntington hard money loan close?
Most Huntington fix and flip files fund in 5-14 days once the file is complete. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Huntington flip?
The worked example on this page is a $90,000 Huntington purchase with a $45,000 rehab and a $195,000 after repair value at 700 credit, first flip: $13,500 down (15% of the purchase) and $24,556 total cash to close, with $43,821 of proof of funds to show the lender. The lowest down payment for a first flip in Huntington is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Huntington?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Huntington fix and flip loan?
The lowest credit floor among the Huntington programs is 620, on 100% financing (under 70% of ARV) with 2+ completed flips. A first flip needs 660 or higher. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Huntington flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Huntington flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Is Huntington, WV a good place for a first flip?
It can be. Purchase prices are low, which keeps your cash to close down, and houses have been selling quickly this year. In West Virginia a first flip can be priced at 15% down with 700+ credit (from 8.99%) or 10% down with 660+ credit (from 9.99%). The example on this page is a first flip. Stick to the stronger blocks on the Southside or near campus for a first one.
Should I flip or rent near Marshall University?
Near campus, run both. A three or four bedroom house close to Marshall can rent to students or staff and often cash flows well at Huntington prices, while the same house finished for an owner competes with Southside homes that have more curb appeal. We price the flip and the DSCR hold on the same numbers so you can see which one makes more sense.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Huntington: Charleston and Lexington. More West Virginia city guides: Morgantown, Parkersburg and Wheeling. Or see everything we fund in West Virginia.

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