Broker, not a lenderHard Money Lenders inKearney, Nebraska
Fix and flip, DSCR rental and new construction financing for Kearney 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 Kearney deal right now
Prefilled with a realistic Kearney deal. Change any number and it reprices instantly on the lanes licensed in Nebraska, using the same engine behind our term sheets.
Financing a deal in Kearney
Kearney is a college and regional hub on I-80 in south-central Nebraska, home to the University of Nebraska at Kearney, a regional medical center and the headquarters of national retail and manufacturing companies. It’s a small, tight market where houses don’t stay listed long. Flip stock comes from the 1940s through 1970s ranches and older homes in central and east Kearney, while north Kearney is mostly newer. Inventory is thin, so the deals tend to go to whoever knows the local agents.
Low inventory is the defining fact in Kearney. There aren’t many houses for sale at any time, so a renovated home in a central neighborhood gets attention right away. The other side of that is sourcing: finding a dated house at the right price takes relationships, estate leads or patience. University staff, hospital workers and young families compete for the same updated homes, which keeps resale demand solid.
What a Kearney deal looks like on paper
Kearney example: $185,000 purchase, $55,000 rehab, $335,000 after repair value, 730 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Picture a 1950s ranch in central Kearney with a full basement: roof, windows, electrical, HVAC, kitchen, two baths and a finished lower level. Kearney houses are priced so that a full scope like this is what brings the loan above the program floor. 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$24,000
- Origination (2.13%)Lender$4,590
- Lender fees (flat)Lender$2,790
- Broker fee (1%)Broker$2,160
- Title and closing (estimate at Texas rates)Title$3,403
- Prepaid interest (15 days)Lender$887
- Property insuranceInsurer$2,280
- AppraisalAppraiser$550
Interest while you rehab: $1,340 a month on the $161,000 funded at closing, $1,798 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $10,789 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 Kearney
| 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 Kearney prices sit right now
Before we price a Kearney 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 Kearney median sale price at $341K for the three months ending September 2026, essentially flat from a year earlier (down 0.033%), with homes selling after about 15 days on the market.
| Median sale price, Kearney (Redfin, 3 months to Sep 2026) | $341K |
| Year over year change in median (Redfin) | -0.033% |
| Days on market, Kearney (Redfin) | 15 |
Sources: Redfin, Kearney housing market
How a Kearney file actually gets priced
Kearney sells only a modest number of homes a month, so neighborhood comps are limited, and appraisers often adjust across a wider area or back further in time. We set the ARV conservatively and compare like with like: a central Kearney ranch is not a north-side 2000s build. On older houses, the scope gets as much attention as the comps, especially basement walls, electrical and the roof. A clear contractor bid gives the file the support it needs in a market with few comparables.
Heavy rain in 2019 flooded parts of south Kearney, including the hotel strip along 2nd Avenue, so check the flood map on south and east Kearney lots. Radon is common in central Nebraska basements, so test and plan for mitigation. Hail and high wind are routine, and roof age affects the insurance price. Older homes may have lead paint, so lead-safe practices apply to pre-1978 work.
Who buys your finished Kearney deal
The buyer for a finished Kearney house is a university employee, a hospital or corporate worker, or a young family, usually with conventional or FHA financing. Updated homes in central Kearney sell quickly because there aren’t many of them. Rental demand from students and young workers is steady too, so a DSCR refinance is a reasonable fallback, though a well-done flip here usually sells.
Your whole loan, in one portal
Apply once and the whole Kearney 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 Kearney
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Kearney.
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 Kearney
We broker deals across the whole Kearney 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 Nebraska, 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.
Kearney hard money FAQ
Do you lend hard money in Kearney?
Which fix and flip programs apply in Kearney?
How fast can a Kearney hard money loan close?
How much do I need to bring to close on a Kearney flip?
Do you fund the rehab budget in Kearney?
What credit score do I need for a Kearney fix and flip loan?
Can I refinance a Kearney flip into a rental loan?
Is Kearney too small for a fix and flip loan?
Can I flip my first house in Kearney with hard money?
Before you sign anything
Ready to fund your Kearney deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.