Hard Money Lenders in Lincoln, NE | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inLincoln, Nebraska

Fix and flip, DSCR rental and new construction financing for Lincoln 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 Lincoln deal

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

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Lincoln deal right now

Prefilled with a realistic Lincoln deal. Change any number and it reprices on the programs that lend in Nebraska, 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 Lincoln

Lincoln is a capital city and a college town, and the University of Nebraska and state government keep the economy steady. The flip stock is in the older neighborhoods around downtown and campus, like the Near South, Everett, Clinton and University Place, plus the former railroad town of Havelock on the northeast side. Most of it is 1900s to 1950s frame houses with basements. The worked example is a borrower with a few finished flips; the calculator reprices it for a first one.

In Lincoln, the question is whether you’re building for an owner or a landlord. Near campus and downtown, a lot of houses end up as rentals for students and state workers, so the finish should be durable and the layout should work for roommates. In Havelock, College View and Belmont, the buyer is usually a first-time owner who cares about the kitchen, the bath and a dry basement. Pick the buyer first, then write the scope.

What a Lincoln deal looks like on paper

Lincoln example: $170,000 purchase, $45,000 rehab, $300,000 after repair value, 700 credit, 4+ completed flips. The engine puts that borrower on the 7.5% Down, 3+ Flips program at 9.99%. Picture a 1940s Havelock story-and-a-half: roof, electrical, furnace, kitchen, bath and basement waterproofing. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$198,875
Cash to close$30,690
Proof of funds to show$54,124
Where the $30,690 goes
  • Down payment (7.5% of purchase plus rehab)You$16,125
  • Origination (1.63%)Lender$3,232
  • Lender fees (flat)Lender$2,790
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,318
  • Prepaid interest (15 days)Lender$632
  • Property insuranceInsurer$2,043
  • AppraisalAppraiser$550

Interest while you rehab: $1,281 a month on the $153,875 funded at closing, $1,656 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $9,934 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 Lincoln

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Experienced Investor Rate115% of purchase680+2+ completed flips9.00%0.75%75% of ARV12-24 months7-14 days
First Flip, 10% Down210% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips37.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips45% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips50% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate and origination are the program floor; two completed projects in the last 36 months preferred.
  2. 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.
  3. 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.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  5. 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 Lincoln prices sit right now

Before we price a Lincoln 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 Lincoln median sale price at $317K for the three months ending August 2026, up 5.6% from a year earlier, with homes selling after about 21 days on the market.

Median sale price, Lincoln (Redfin, 3 months to Aug 2026)$317K
Days on market, Lincoln (Redfin)21
Year over year change in median (Redfin)+5.6%

Sources: Redfin, Lincoln housing market, City of Lincoln, floodplain information

How a Lincoln file actually gets priced

Lincoln is smaller than Omaha, so there are fewer sales in each neighborhood and choosing comps takes care. We use closed sales from the same neighborhood inside about 90 days, and when that’s too thin, we go back a little further and adjust instead of reaching across town. An appraiser won’t compare a Near South house with a newer one in the south suburbs. The scope matters as much as the comps: old wiring, basement walls and roof condition decide most budgets here.

Salt Creek and its tributaries run through Lincoln, and low areas along them flood from time to time, so check the city’s floodplain maps before you buy near a creek. Basements in older houses may leak or have bowed walls. Hail and windstorms mean roof age matters to insurers. Permits and inspections go through the Lincoln-Lancaster County Building and Safety Department, so line up your contractor’s permits with the draw schedule.

Who buys your finished Lincoln deal

The finished Lincoln house sells to a university or state employee, a first-time buyer or a small investor, and a house priced to its neighborhood tends to go under contract in a few weeks. The ceiling in the older neighborhoods is modest, so over-building won’t pay. Rentals are a common exit near campus, where a DSCR refinance can let you keep the house and pull your money back out.

What happens after you apply

Apply once and the whole Lincoln 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 Lincoln

Fix and flip

10%down on a first flip
Rates
from 9.00% at 680+ credit with 2+ completed flips
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 Nebraska →

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 Nebraska →

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 Nebraska →

Where we lend in Lincoln

We broker deals across the whole Lincoln market. The submarkets investors ask us about most are Near South and Everett (68502), Clinton and Hartley (68503), University Place (68504), Havelock and Bethany (68507 / 68505), Belmont (68521) and College View (68506).

How long does a Lincoln 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 Nebraska, and the rate, origination, leverage and cash to close come back side by side. 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.

Lincoln hard money FAQ

Do you lend hard money in Lincoln?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Lincoln 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 Nebraska, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Lincoln?
As of October 2026: Experienced Investor Rate (15% down, from 9.00%, 2+ completed flips); 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 Lincoln hard money loan close?
In Nebraska, once the file is complete, the programs for investors with completed flips close in 7-14 days (10-14 on 5% down with 5+ flips, 21-30 on 7.5% down with 3+ flips) and a first flip on the 10% down program closes 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 Lincoln flip?
The worked example on this page is a $170,000 Lincoln purchase with a $45,000 rehab and a $300,000 after repair value at 700 credit, 4+ completed flips: $16,125 down (7.5% of purchase plus rehab) and $30,690 total cash to close, with $54,124 of proof of funds to show the lender. 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 Lincoln?
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 Lincoln fix and flip loan?
The lowest credit floor among the Lincoln 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, 9.00%, needs 680+ credit and 2+ completed flips. Depending on the program, 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 Lincoln flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Lincoln 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 Lincoln a good city for a flip or a rental?
Both can work. The university and state jobs keep demand for rentals steady, especially near campus and downtown, while Havelock, College View and Belmont sell well to first-time buyers. Price the flip and the hold side by side before you choose the scope, since a rental and a resale house get different finishes.
What experience do I need to borrow for a Lincoln flip?
None to get started. In Nebraska a first flip can be priced at 10% down with 660+ credit (from 9.99%). A track record buys you a lower down payment or a better rate. Programs that need completed flips: 15% down from 9.00% with 2+ flips; 7.5% down from 9.99% with 3+ flips; 5% down from 9.99% with 5+ flips; and 100% financing from 9.50% with 2+ flips when purchase plus rehab fits under 70% of ARV. The programs table on this page shows each one.
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 Lincoln: Omaha and Overland Park. More Nebraska city guides: Bellevue, Grand Island and Kearney. Or see everything we fund in Nebraska.

Ready to fund your Lincoln deal?

Submit your scenario in about 5 minutes. We shop it and come back with real terms, not a generic rate sheet.

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