Broker, not a lenderHard 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.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Lincoln deal right now
Prefilled with a realistic Lincoln 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 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. As in Omaha, Nebraska lending on our shelf is for investors with completed flips.
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, 730 credit, 4 to 10 flips completed. The engine puts that borrower on the 5% Down, 3+ Flips program at 11.00%. 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.
- Down payment (5%)You$8,500
- Origination (2%)Lender$4,130
- Doc prepLender$749
- Broker fee (1%)Broker$2,065
- Title and closingTitle$3,356
- Prepaid interest (15 days)Lender$933
- Property insuranceInsurer$2,043
- AppraisalAppraiser$550
Interest while you rehab: $1,480 a month on the $161,500 funded at closing, $1,893 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $11,358 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 Lincoln
| 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 |
| 5% Down, 3+ Flips2 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips3 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- 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.
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 September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Lincoln comps say
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.
Your whole loan, in one portal
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.
What we fund in Lincoln
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Lincoln.
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 Lincoln
We broker deals across the whole Lincoln 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
7 to 10 days typical. We stay on title and the lender through funding.
Lincoln hard money FAQ
Do you lend hard money in Lincoln?
Which fix and flip programs apply in Lincoln?
How fast can a Lincoln hard money loan close?
How much do I need to bring to close on a Lincoln flip?
Do you fund the rehab budget in Lincoln?
What credit score do I need for a Lincoln fix and flip loan?
Can I refinance a Lincoln flip into a rental loan?
Is Lincoln a good city for a flip or a rental?
What experience do I need to borrow for a Lincoln flip?
Before you sign anything
Ready to fund your Lincoln deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.