The Last Frontier · Broker, not a lenderHard Money &
DSCR Loans in Alaska
Capital Kings brokers loans on investment property in Alaska: hard money, DSCR and bridge financing for Anchorage, Fairbanks and the Mat-Su Valley. A lot of national lenders don't lend in Alaska at all, so the first job on an Alaska file is finding the ones that do.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What You Can Get in Alaska
What We Fund in Alaska
Alaska files come with a smaller comp pool, seasonal timing and higher carrying costs, and lenders price all three. We send Anchorage and Fairbanks deals to lenders that actually lend in the state, not ones that advertise nationwide and back out when they see the address.
What Alaska investors actually get as of October 2026
These are the programs we shop for Alaska deals and the terms they price at today. Same numbers as the term sheet you get after you apply. Capital Kings LLC is a broker, not a lender: we place the loan with the lender that fits, and every fee is on the sheet before you commit.
Fix and flip in Alaska How the programs work
Purchase plus 100% of the rehab budget, funded through draws. The program you land on depends on credit and how many flips you have completed. Rates from 9.99% with 5+ completed flips in Alaska.
| 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.
First flip in Anchorage, 700 credit
- Loan amount
- $293,500
- Down payment (10% of purchase)
- $26,500
- Rate
- 11.74%
- Origination
- $2,935
- Broker fee
- $2,935
- Lender fees
- $1,699
- Estimated cash to close
- $41,575
- Interest per month while you rehab
- $2,333
Sized to the Alaska market: the typical Alaska home is worth about $398,663 and a starter home about $252,942 (Zillow Home Value Index, August 2026). Single family homes sold in a median of 23 days with 2.3 months of supply (Redfin, May 2026). So the example buys at about two thirds of the typical value, budgets a mid-range rehab and resells at the typical value.
Estimates on Capital Kings terms as of October 2026. Cash to close includes down payment, origination, broker fee, the lender's own fees (processing, underwriting, legal or doc prep), title, prepaid interest, insurance and appraisal. Rehab is funded 100% through draws on every program.
DSCR rental loans in Alaska Full DSCR guide
Rates are 30-year fixed, priced off loan-to-value: 6.69% up to 70% LTV, 6.88% up to 75% LTV, 7.05% up to 80% LTV for a 760+ borrower with a 5-year prepay, plus 0.10% for a rate and term refinance, 0.24% for cash-out and 0.26% for 2-4 units. No lender origination points. Lender fees about $2,295, plus our 1% broker fee ($2,000 minimum), all itemized on the term sheet. Minimum 1.00 DSCR, minimum 660 credit, minimum $100,000 loan, 3 months of reserves on a purchase and 6 on a cash-out. No W-2s, no tax returns, no debt-to-income ratio.
| Credit | Purchase max LTV | Purchase rate at max LTV | Cash-out max LTV | Cash-out rate at max LTV |
|---|---|---|---|---|
| 760+ | 80% | 7.05% | 75% | 7.12% |
| 740 to 759 | 80% | 7.21% | 75% | 7.28% |
| 720 to 739 | 80% | 7.34% | 75% | 7.41% |
| 700 to 719 | 80% | 7.46% | 75% | 7.53% |
| 680-699 | 75% | Priced per file | 70% | Priced per file |
| 660 to 679 | 65% | Priced per file | 60% | Priced per file |
Cash-out refinance on an Anchorage rental, 740 credit
- Maximum loan (75% LTV)
- $300,000
- Rate (30-year fixed)
- 7.28%
- Lender fees (underwriting, legal, setup)
- $2,295
- Broker fee (1%, $2,000 minimum)
- $3,000
- Principal and interest per month
- $2,053
- Reserves required
- 6 months
Purchase only (no rehab) in Alaska
Buying a property that does not need work, or handling the rehab yourself: our priced purchase-only program does not lend in Alaska yet. Send the deal and we price it per file with the lenders that do.
Alaska, city by city
The Alaska markets we fund most. Not on the map? We broker every county in the state, so send the deal and we place it.
See what the numbers look like in Alaska before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Built for Alaska Investors
You're hiring a broker, not a lender. One application, 400+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Alaska Lending FAQ
Do you lend hard money loans in Alaska?
What cities in Alaska does Capital Kings lend in?
Do you offer DSCR rental loans in Alaska?
How fast can an Alaska hard money loan close?
What's the minimum down payment for an Alaska fix-and-flip loan?
What credit score do I need for an Alaska hard money loan?
Can I do a DSCR cash-out refinance on an Alaska rental?
Alaska Investor Resources
How the loans are structured, what lenders check, and how to compare offers on an Alaska deal.
Ready to fund your Alaska deal?
Submit your scenario in under 3 minutes. We shop our 400+ lender network and send back a term sheet on your actual deal.