Broker, not a lenderHard Money Lenders inWasilla, Alaska
Fix and flip and DSCR rental financing for Wasilla 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 Wasilla deal right now
Prefilled with a realistic Wasilla deal. Change any number and it reprices instantly on the lanes licensed in Alaska, using the same engine behind our term sheets.
Financing a deal in Wasilla
Wasilla is the center of the Mat-Su, the fastest growing part of Alaska, and a lot of its buyers commute down the Parks and Glenn highways to Anchorage for work. Land is cheaper here, so the stock is very different from the city: 1980s to 2000s two-story and split-level homes on large lots, plenty of acreage, and a steady supply of new subdivisions. Flips are usually a dated house on a big lot that needs systems, finishes and a driveway that survives breakup.
The Wasilla deal is decided by what is under and around the house rather than inside it. Most homes outside town run on a private well and septic system, and a failed septic test or poor water report can stall the sale, so test both before you close. The other decider is new construction. Builders keep adding homes across the Mat-Su, and your finished house competes with a new one with a warranty, so the price and the finish have to make sense next to that.
What a Wasilla deal looks like on paper
Wasilla example: $320,000 purchase, $55,000 rehab, $510,000 after repair value, 730 credit, 10 or more flips completed. The engine puts that borrower on the 5% Down, 5+ Flips program at 9.99%. Think a 1990s two-story on an acre off the Parks Highway in 99654: well and septic tested, a new boiler, flooring, a kitchen, both baths and a regraded driveway. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5% of the purchase)You$16,000
- Origination (2%)Lender$7,180
- Lender fees (flat)Lender$995
- Broker fee (1%)Broker$3,590
- Title and closing (estimate at Texas rates)Title$4,109
- Prepaid interest (15 days)Lender$1,474
- Property insuranceInsurer$3,563
- AppraisalAppraiser$550
Interest while you rehab: $2,531 a month on the $304,000 funded at closing, $2,989 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $17,932 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 Wasilla
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| First Flip, 10% Down1 | 10% | 680+ | First flip OK | 11.00% to 12.74% | 1% | 75% of ARV | 12 months | 21-30 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 |
- Rate is set by credit: 11.00% at 760+, 11.74% at 700-759, 12.74% at 680-699. 90% of the purchase plus 100% of the rehab (up to $250,000), capped at 75% of ARV. 1 point ($3,500 minimum on loans under $150,000) plus a $1,699 lender service fee.
- 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 October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Wasilla prices sit right now
Before we price a Wasilla 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 Wasilla median sale price at $470,000 for the three months ending September 2026, up 9.0% from a year earlier, with homes selling after 34 days on the market on average.
| Median sale price, Wasilla (Redfin, 3 months to Sep 2026) | $470,000 |
| Change from a year earlier (Redfin) | +9.0% |
| Average days on market, Wasilla (Redfin) | 34 |
Sources: Redfin, Wasilla housing market
How a Wasilla file actually gets priced
We comp Wasilla by lot size, utilities and distance to the highway, because a house on an acre with a well off a gravel road is a different product from one on city water near the lakes. Appraisers here often reach several miles for comparable sales. We look at outbuildings and garages separately, since a heated shop adds value to some buyers and nothing to others, and we want any added square footage documented.
Much of the Mat-Su has little residential code inspection compared with Anchorage, which means the history of a house can be uneven, so a thorough inspection matters more here. The 2018 earthquake damaged homes across the valley; look for patched foundations and racked framing. Wildfire is a real summer risk in the spruce forests north and west of town, and insurers ask about it. Spring breakup turns gravel roads and driveways to mud, and frost heave cracks slabs.
Who buys your finished Wasilla deal
The finished Wasilla house sells to Anchorage commuters looking for more house and more land for the money, families from the military bases who want space, and local buyers, many on VA or USDA rural loans. Those loans have their own appraisal and condition rules, so finish to them. Spring and summer listings move best. Rentals are in demand because of the commuter population, so a DSCR refinance is a sensible backup.
Your whole loan, in one portal
Apply once and the whole Wasilla 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 Wasilla
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Wasilla.
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.
Where we lend in Wasilla
We broker deals across the whole Wasilla 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 Alaska, 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 10-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.
Wasilla hard money FAQ
Do you lend hard money in Wasilla?
Which fix and flip programs apply in Wasilla?
How fast can a Wasilla hard money loan close?
How much do I need to bring to close on a Wasilla flip?
Do you fund the rehab budget in Wasilla?
What credit score do I need for a Wasilla fix and flip loan?
Can I refinance a Wasilla flip into a rental loan?
Do I need a well and septic inspection to flip a house in Wasilla?
Can I get a flip loan in the Mat-Su Valley?
Before you sign anything
Ready to fund your Wasilla deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.