Broker, not a lenderHard Money Lenders inOmaha, Nebraska
Fix and flip, DSCR rental and new construction financing for Omaha 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 an Omaha deal right now
Prefilled with a realistic Omaha 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 Omaha
Omaha is a stable, fast-moving Midwest market with a lot of old housing. Benson, Dundee, Florence and the neighborhoods north and south of downtown are full of homes from the 1900s to the 1940s: bungalows, foursquares and story-and-a-halfs with basements. Out west in Millard, the stock is 1970s and 80s split-levels. On our shelf, Nebraska lending is for investors with completed flips, so this page is written for someone who has done a few already.
Lead is the Omaha issue most out-of-town investors miss. The eastern part of the city sits inside the Omaha Lead Superfund Site, the result of decades of smelter emissions, and the EPA still tests and cleans yards at eligible homes. On top of that, most of these houses were painted before 1978. Plan lead-safe work practices into the scope and check the yard status on east Omaha addresses. The other thing that shapes a deal here is speed. Homes go under contract quickly, so a finished house priced right won’t cost you much in carry.
What an Omaha deal looks like on paper
Omaha example: $165,000 purchase, $50,000 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 1920s Benson bungalow: knob-and-tube wiring out, new boiler or furnace, kitchen, bath, lead-safe paint work and a dry basement. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5%)You$8,250
- Origination (2%)Lender$4,135
- Doc prepLender$749
- Broker fee (1%)Broker$2,068
- Title and closingTitle$3,357
- Prepaid interest (15 days)Lender$935
- Property insuranceInsurer$2,043
- AppraisalAppraiser$550
Interest while you rehab: $1,437 a month on the $156,750 funded at closing, $1,895 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $11,371 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 Omaha
| 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 Omaha comps say
Redfin puts the Omaha median sale price at $293K for the three months ending August 2026, up 4.6% from a year earlier, with homes selling in about 16 days.
| Median sale price, Omaha (Redfin, 3 months to Aug 2026) | $293K |
| Days on market, Omaha (Redfin) | 16 |
| Year over year change in median (Redfin) | +4.6% |
Sources: Redfin, Omaha housing market · EPA, Omaha Lead Superfund Site · City of Omaha, rental registration program overview
How an Omaha file actually gets priced
We comp Omaha houses by neighborhood and era. A Dundee foursquare and a North Omaha bungalow a few miles apart trade at very different values, and appraisers don’t mix them. Closed sales from the last three months within the same neighborhood set the ARV. On older houses, the budget items that decide whether the deal works are the mechanicals: boilers, old wiring, clay sewer lines and basement walls that have started to bow. A contractor bid that covers those tells us more than a comp list does.
East Omaha lead is the first check, both paint inside the house and soil in the yard. Basement water and bowed foundation walls are common in the older neighborhoods. Low areas near the Missouri River and Papillion Creek can sit in a floodplain, and the 2019 flooding is a reminder to check the map. If you plan to rent the house, Omaha’s rental registration and inspection ordinance requires rental properties to be registered, with inspections scheduled after written notice to the owner and tenant. Budget for passing it.
Who buys your finished Omaha deal
A finished Omaha house sells to a local first-time buyer, a young professional who wants an older neighborhood like Benson or Dundee, or a family from Offutt Air Force Base, and houses priced to the street sell quickly. Keep the finish in line with the neighborhood, because buyers here are value-minded. If the sale numbers get tight, the DSCR rental exit is realistic in North and South Omaha, but the house has to be registered and ready for inspection.
Your whole loan, in one portal
Apply once and the whole Omaha 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 Omaha
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Omaha.
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 Omaha
We broker deals across the whole Omaha 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.
Omaha hard money FAQ
Do you lend hard money in Omaha?
Which fix and flip programs apply in Omaha?
How fast can an Omaha hard money loan close?
How much do I need to bring to close on an Omaha flip?
Do you fund the rehab budget in Omaha?
What credit score do I need for an Omaha fix and flip loan?
Can I refinance an Omaha flip into a rental loan?
Can I get a hard money loan for my first flip in Omaha?
How does the Omaha lead Superfund site affect a flip?
Before you sign anything
Ready to fund your Omaha deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.