Broker, not a lenderHard Money Lenders inJuneau, Alaska
Fix and flip and DSCR rental financing for Juneau 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 Juneau deal right now
Prefilled with a realistic Juneau deal. Change any number and it reprices instantly on the lanes licensed in Alaska, using the same engine behind our term sheets.
Financing a deal in Juneau
Juneau is a capital city with no road in or out. Everything arrives by barge, ferry or plane, and the town is pinned between mountains, icefield and Gastineau Channel, so buildable land is scarce and the housing stock changes slowly. State government, the Coast Guard, the hospital and summer tourism carry the economy. Most flips are 1960s to 1980s split levels and ranches in the Mendenhall Valley and Lemon Creek, plus older frame houses downtown and on Douglas Island.
Two things decide a Juneau flip: where the water goes and how long the materials take. This is a rainforest town, and rot, mold and failed siding show up behind every older wall, so the scope has to include drainage and the building envelope, not just finishes. Materials come up by barge from the Seattle area, which stretches lead times and lifts costs, so order early and carry a contingency. A house that sits half finished through the rainy season gets more expensive every week.
What a Juneau deal looks like on paper
Juneau example: $380,000 purchase, $70,000 rehab, $610,000 after repair value, 730 credit, 10 or more flips completed. The engine puts that borrower on the 5% Down, 5+ Flips program at 9.99%. Picture a 1970s Mendenhall Valley split level in 99801: new metal roof, a heat pump to back up the oil furnace, vapor barrier and drainage in the crawlspace, a kitchen and two baths. 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$19,000
- Origination (2%)Lender$8,620
- Lender fees (flat)Lender$995
- Broker fee (1%)Broker$4,310
- Title and closing (estimate at Texas rates)Title$4,465
- Prepaid interest (15 days)Lender$1,769
- Property insuranceInsurer$4,275
- AppraisalAppraiser$550
Interest while you rehab: $3,005 a month on the $361,000 funded at closing, $3,588 once every draw is out. Proof of funds is cash to close plus $18,900 of rehab reserve and $21,528 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 Juneau
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| First Flip, 10% Down1 | 10% | 680+ | First flip OK | 11.00% to 12.74% | 1% | 75% of ARV | 12 months | 21-30 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 |
- Rate is set by credit: 11.00% at 760+, 11.74% at 700-759, 12.74% at 680-699. 90% of the purchase plus 100% of the rehab (up to $250,000), capped at 75% of ARV. 1 point ($3,500 minimum on loans under $150,000) plus a $1,699 lender service fee.
- 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 October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Juneau prices sit right now
Before we price a Juneau 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 Juneau median sale price at $530,000 for the three months ending September 2026, up 6.5% from a year earlier, with homes selling after 17 days on the market on average, compared to 22 a year earlier.
| Median sale price, Juneau (Redfin, 3 months to Sep 2026) | $530,000 |
| Change from a year earlier (Redfin) | +6.5% |
| Average days on market, Juneau (Redfin) | 17 |
Sources: Redfin, Juneau housing market
How a Juneau file actually gets priced
Juneau comps come from a small pool, and the Valley, downtown and Douglas each price differently. We use recent closings from the same area and the same build era, and we watch the condos and townhomes separately because they are a big share of attainable stock. Appraisers note crawlspace moisture and roof age, and a house in a mapped hazard area will be adjusted for it. Expect the appraisal to take longer to schedule than in a Lower 48 city.
Juneau carries hazards most markets never see. Glacial outburst floods from Suicide Basin have pushed the Mendenhall River into homes along its banks in recent summers, so check the address against the city’s current flood mapping before you buy in the Valley. Downtown streets sit under mapped landslide and avalanche zones on the slopes of Mount Juneau and Mount Roberts. Heavy rain is constant, roofs and gutters work hard, and older houses often still have oil tanks that a buyer will ask about.
Who buys your finished Juneau deal
The finished Juneau house sells to state employees, Coast Guard families, hospital staff and local households who have watched inventory stay tight for years. A clean, dry, efficient house with a heat pump and a new roof goes fast. Summer is the active season, when transfers and new state hires arrive. Rents are high because housing is short, so a duplex or a house with a legal apartment is often worth holding on a DSCR loan.
Your whole loan, in one portal
Apply once and the whole Juneau 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 Juneau
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Juneau.
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.
Where we lend in Juneau
We broker deals across the whole Juneau 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 Alaska, 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 10-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.
Juneau hard money FAQ
Do you lend hard money in Juneau?
Which fix and flip programs apply in Juneau?
How fast can a Juneau hard money loan close?
How much do I need to bring to close on a Juneau flip?
Do you fund the rehab budget in Juneau?
What credit score do I need for a Juneau fix and flip loan?
Can I refinance a Juneau flip into a rental loan?
Do lenders finance flips in Juneau?
Should I worry about the Mendenhall River floods when buying in the Valley?
Before you sign anything
Ready to fund your Juneau deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.