Broker, not a lenderHard Money Lenders inTacoma, Washington
Fix and flip, DSCR rental and new construction financing for Tacoma 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 Tacoma deal right now
Prefilled with a realistic Tacoma deal. Change any number and it reprices instantly on the lanes licensed in Washington, using the same engine behind our term sheets.
Financing a deal in Tacoma
Tacoma is where a lot of Seattle-area buyers land when they are priced out further north, and that steady spillover makes it one of the more forgiving flip markets on Puget Sound. The flip stock is the early and mid 1900s houses on the Eastside, the South End, Hilltop and the Lincoln District. The North End around Proctor is older and more expensive, and it rarely sells as a true fixer. Joint Base Lewis-McChord to the south adds a steady military buyer.
Tacoma deals turn on speed and soil. Well-priced houses here go under contract fast, so a clean finish and a sharp list price get rewarded, and a slow rehab gives the margin back in interest. The soil is the part out-of-towners miss. The old smelter in Ruston spread arsenic and lead across much of north and central Tacoma, and state guidance treats yard soil in the plume area with care, which matters for landscaping, dig-outs and buyers with young kids.
What a Tacoma deal looks like on paper
Tacoma example: $355,000 purchase, $70,000 rehab, $560,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Think an Eastside 1940s cottage: new roof, electrical panel and plumbing, a second bath carved from the back bedroom, and fresh soil in the planting beds. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$53,250
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$3,718
- Title and closingTitle$4,172
- Prepaid interest (15 days)Lender$1,450
- Property insuranceInsurer$4,038
- AppraisalAppraiser$550
Interest while you rehab: $2,386 a month on the $301,750 funded at closing, $2,940 once every draw is out. Proof of funds is cash to close plus $18,900 of rehab reserve and $17,640 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 Tacoma
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 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 |
- 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 Tacoma comps say
Redfin puts the Tacoma median sale price at $500,000 for the three months ending August 2026, up 1.0% from a year earlier, with homes selling after 10 days on the market on average.
| Median sale price, Tacoma (Redfin, 3 months to Aug 2026) | $500,000 |
| Change from a year earlier (Redfin) | +1.0% |
| Average days on market, Tacoma (Redfin) | 10 |
Sources: Redfin, Tacoma housing market
How a Tacoma file actually gets priced
We comp Tacoma inside the same neighborhood and era, because the city changes block by block. An Eastside cottage doesn't borrow from Proctor, and the South End has its own ceiling. With homes moving quickly, recent closings are plentiful, so we use the last few months and discount anything that sat. Appraisers here also note unpermitted basement bedrooms and converted garages, so we want the legal square footage stated honestly in the budget.
Check the Tacoma Smelter Plume maps from the state Department of Ecology before you buy in the north or central city; soil work in the plume follows specific guidance. Older Tacoma houses often have knob and tube wiring, galvanized pipes and failing side sewers. Parts of the tideflats and the lower South End sit on softer ground. The city's Home in Tacoma zoning changes allow more housing types on many residential lots, so confirm what a lot allows with Planning and Development Services before you set the exit.
Who buys your finished Tacoma deal
The finished Tacoma house sells to commuters priced out of Seattle, military families from JBLM on VA loans, and local first-time buyers. That mix rewards a move-in-ready house near the middle of the market with a second bath and parking. The North End supports higher prices but a buyer there expects character and careful work. Rents are healthy near the base and the hospitals, so a DSCR refinance is a real option on the lower-priced neighborhoods.
Your whole loan, in one portal
Apply once and the whole Tacoma 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 Tacoma
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Tacoma.
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 Tacoma
We broker deals across the whole Tacoma 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 Washington, 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.
Tacoma hard money FAQ
Do you lend hard money in Tacoma?
Which fix and flip programs apply in Tacoma?
How fast can a Tacoma hard money loan close?
How much do I need to bring to close on a Tacoma flip?
Do you fund the rehab budget in Tacoma?
What credit score do I need for a Tacoma fix and flip loan?
Can I refinance a Tacoma flip into a rental loan?
Does the Tacoma Smelter Plume affect a flip?
Can I flip my first house in Tacoma with a hard money loan?
Before you sign anything
Ready to fund your Tacoma deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.