Broker, not a lenderHard Money Lenders inJackson, Wyoming
Fix and flip, DSCR rental and new construction financing for Jackson 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 Jackson deal right now
Prefilled with a realistic Jackson 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 Jackson
Jackson is a resort town in a valley where almost all of the land around it is national park, national forest and other public land. With so little private land, Teton County has some of the highest home prices in the country, and buyers are often wealthy second-home owners drawn by the mountains and by Wyoming’s lack of a state income tax. Flips here are older condos, townhomes and 1970s and 80s houses in town and in the South Park neighborhoods.
The Jackson deal is decided by deed restrictions and loan size. A large share of local homes are workforce or affordable units with deed restrictions that cap resale prices and limit who can buy, so read the title work before anything else. Unrestricted homes sell at very high prices, so the loan is large and the cash to close is large too. Short-term rentals are only allowed in certain zones, so a nightly rental is not a default exit.
What a Jackson deal looks like on paper
Jackson example: $1,150,000 purchase, $150,000 rehab, $1,750,000 after repair value, 730 credit, 4-10 flips completed. The engine puts that borrower on the 5% Down, 3+ Flips program at 12.00%. Picture a 1970s townhome in town: new roof and siding, windows, a full kitchen and baths, and upgraded heating for mountain winters. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5% of the purchase)You$57,500
- Origination (2%)Lender$24,850
- Doc prepLender$749
- Broker fee (1%)Broker$8,106
- Title and closing (estimate at Texas rates)Title$8,261
- Prepaid interest (15 days)Lender$6,127
- Property insuranceInsurer$12,350
- AppraisalAppraiser$550
Interest while you rehab: $10,925 a month on the $1,092,500 funded at closing, $12,425 once every draw is out. Proof of funds is cash to close plus $30,000 of rehab reserve and $74,550 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 Jackson
| 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 |
| First Flip, 10% Down2 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips3 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips4 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips5 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips6 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- 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 from 12%, set per file. 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.
- 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 Jackson prices sit right now
Before we price a Jackson 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 Jackson median sale price at $1.7M for the three months ending September 2026, down 21.8% from a year earlier, with homes selling after about 74 days on the market. With few sales each month, the median moves a lot.
| Median sale price, Jackson (Redfin, 3 months to Sep 2026) | $1.7M |
| Days on market, Jackson (Redfin) | 74 |
| Year over year change in median (Redfin) | -21.8% |
Sources: Redfin, Jackson housing market
How a Jackson file actually gets priced
Wyoming does not disclose sale prices, so Jackson appraisals rely on MLS data, and there are few sales in any month. Appraisers will look at similar property types in the same part of the valley, but values swing widely by view, lot and location. We look at recent closed sales of the same type, set the ARV in the supported range rather than at the top, and watch for comps that were deed restricted, since those are not comparable to free market homes.
Construction in Jackson is expensive and slow. Contractors are booked, materials have to be trucked in and the building season is short, so pad both the budget and the timeline. Flat Creek and the Snake River carry flood risk in parts of the valley, avalanche and landslide zones affect some hillside lots, and wildfire is a growing insurance issue. Permits go through the Town of Jackson or Teton County, depending on location.
Who buys your finished Jackson deal
The finished Jackson flip sells to second-home buyers, remote workers and executives relocating for tax reasons, and some pay cash. They expect high-quality finishes, efficient heating and mountain views where possible. Long-term rents in town are high because local workers have few options, so a DSCR hold can work on a free market unit in a zone that allows it.
Your whole loan, in one portal
Apply once and the whole Jackson 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 Jackson
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Jackson.
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 Jackson
We broker deals across the whole Jackson 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
Plan on 7-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.
Jackson hard money FAQ
Do you lend hard money in Jackson?
Which fix and flip programs apply in Jackson?
How fast can a Jackson hard money loan close?
How much do I need to bring to close on a Jackson flip?
Do you fund the rehab budget in Jackson?
What credit score do I need for a Jackson fix and flip loan?
Can I refinance a Jackson flip into a rental loan?
Can I flip a deed-restricted home in Jackson?
How large a loan can I get for a Jackson flip?
Before you sign anything
Ready to fund your Jackson deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.