Hard Money Loans of Jackson Hole

Loan Program

Fix-and-Flip Loans in Jackson Hole, WY

Specialized funding for investors buying, renovating, and reselling properties throughout Jackson Hole, Wilson, Teton Village, and the greater Teton County region.

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Fix-and-Flip Loans in Jackson Hole

Fix-and-flip loans are purpose-built for real estate investors who purchase distressed properties, renovate them, and sell for profit. These short-term loans cover both acquisition and renovation costs with interest-only payments, maximizing investor cash flow during the project timeline. In Jackson Hole's competitive real estate market, where luxury ski homes and vacation rentals command premium prices, fix-and-flip investors need financing that moves at the speed of opportunity.

Jackson Hole's unique market dynamics create distinct opportunities for house flippers. The region attracts high-net-worth buyers seeking second homes, vacation rentals, and mountain retreats. Properties in need of renovation, whether dated interiors in Wilson, tired condos in Teton Village, or older homes in Jackson proper, often sell at significant discounts to their after-repair value. Our fix-and-flip loans provide the leverage and speed to capitalize on these opportunities before they're gone.

The Fix-and-Flip Advantage in Jackson Hole

Our fix-and-flip program offers industry-leading leverage, allowing you to maximize returns while minimizing cash out of pocket. With fast approvals, flexible terms, and experienced support, we help you execute successful flips consistently. Jackson Hole's seasonal market demands quick execution: winter buyers want move-in ready ski homes, while summer buyers seek turnkey vacation properties. Our draw-based rehab funding releases capital as work completes, keeping your project on schedule and your carrying costs manageable.

Why Jackson Hole Investors Choose Our Fix-and-Flip Financing

Traditional banks uniformly refuse to finance properties in poor condition, creating a financing gap that hard money lenders fill. Our fix-and-flip loans welcome distressed assets, from cosmetic fixers in Kelly to major rehabs in Hoback Junction. We evaluate based on after-repair value and your execution capability, not the property's current state. Whether you're renovating a historic ranch in Wilson or modernizing a condo near the town square, our local market expertise helps structure loans that align with Jackson Hole's unique valuation dynamics.

Fix-and-Flip Loan Features

Our fix-and-flip program is designed for the realities of house flipping in Jackson Hole and surrounding areas. Key terms include:

  • Loan Amounts: $75,000 to $3,000,000 to accommodate everything from condo flips to luxury home renovations
  • Interest Rates: 9.9% to 12.9% based on experience and project metrics
  • Terms: 6 to 18 months, aligned with typical renovation and sale timelines
  • Purchase LTV: Up to 90% of purchase price for qualified investors
  • Rehab Coverage: Up to 100% of renovation costs, released in draws as work completes
  • Payments: Interest-only during term to preserve cash flow for project expenses
  • Funding Speed: Pre-approval in 24 hours, closing in 7-10 days

Benefits for Jackson Hole Flippers

Compete effectively in a market where cash buyers and well-funded investors dominate. Our fix-and-flip financing provides:

  • Cash-equivalent offers that sellers prefer over traditional financing contingencies
  • Minimal payments until property sells, preserve capital for renovation and carrying costs
  • Rehab funds released in draws as work completes, with inspections typically within 24-48 hours
  • No experience required for qualified borrowers, we work with first-time flippers and seasoned pros
  • Fast approvals to secure time-sensitive deals before they go to competing investors
  • Repeat borrower programs with better terms as you build your track record
  • Understanding of Jackson Hole's luxury market valuations and vacation rental economics

Fix-and-Flip Strategy in the Jackson Hole Market

Jackson Hole's real estate market presents unique opportunities and considerations for fix-and-flip investors. The region's mix of year-round residents, second-home buyers, and vacation rental investors creates diverse buyer demand. Properties near Jackson Hole Mountain Resort command premium prices for ski-in/ski-out access, while Wilson and Kelly offer more affordable entry points with strong appreciation potential. Understanding neighborhood dynamics, from Moose's gateway-to-the-park appeal to Teton Village's resort atmosphere, guides renovation decisions that maximize sale prices.

Our lending team brings local market expertise that helps investors evaluate opportunities, structure appropriate renovation scopes, and position finished properties for optimal sale outcomes. We understand the seasonal rhythms of Jackson Hole real estate and can advise on timing your flip for maximum buyer interest.

Managing Renovation Risk and Project Success

Fix-and-flip investing involves inherent risks that require careful management. Our loan structures address these through conservative LTV ratios that protect your equity, structured draw processes that verify work completion before fund release, and experienced personnel who identify potential issues early. We evaluate not only property value and renovation scope but also your experience, contractor qualifications, and timeline feasibility. For newer investors, we provide guidance on project selection and renovation scope. For experienced flippers, we offer the flexibility to pursue complex projects with confidence.

Frequently Asked Questions

How much of the purchase and renovation costs will you finance?

Our fix-and-flip loans can finance up to 90% of the property purchase price plus 100% of renovation costs for qualified investors and properties. Total financing is typically limited to 75% of the property's after-repair value (ARV), ensuring appropriate equity protection. This high-leverage structure minimizes the cash you need to complete projects in Jackson Hole's premium market.

How does the renovation draw process work?

Renovation funds are held in a construction escrow account and released according to a predetermined draw schedule based on project milestones. When work is completed, you request a draw inspection, which we typically complete within 24-48 hours. Upon verification that work meets plan and quality standards, funds are released promptly. We structure draw schedules to match your contractor payment needs and project timeline.

Do I need prior fix and flip experience to qualify?

While prior experience is beneficial, we work with both experienced flippers and newer investors throughout Jackson Hole, Wilson, Teton Village, and surrounding areas. For first-time flippers, we may require higher cash reserves, more detailed project plans, and experienced contractor involvement. As you complete successful projects with us, you qualify for increasingly favorable terms and streamlined processing.

What types of properties qualify for fix and flip loans in Jackson Hole?

We finance single-family homes, condominiums, townhouses, and multi-family properties up to four units for fix-and-flip projects throughout our service area. Properties can be in virtually any condition, from cosmetic fixers to major rehabs requiring structural work. We evaluate each property based on acquisition price, renovation scope, after-repair value, and your ability to execute. Properties in Jackson Hole, Wilson, Hoback Junction, Kelly, Moose, Teton Village, and beyond are all eligible.

How long do I have to complete the project and repay the loan?

Fix-and-flip loan terms typically range from 6 to 12 months, providing adequate time for acquisition, renovation, marketing, and sale. Interest-only payments during the loan term minimize carrying costs and preserve cash for project expenses. Most of our fix-and-flip loans carry no prepayment penalties, so you can repay immediately upon sale without additional cost. For projects requiring extended timelines, we can structure longer terms or extensions.

How quickly can I close on a fix-and-flip loan?

We provide pre-approval within 24 hours and can close fix-and-flip loans in 7-10 days. Our streamlined process focuses on property value and project viability rather than extensive borrower documentation. Once you submit a property address and renovation budget, we can issue a conditional approval letter immediately to strengthen your purchase offer in Jackson Hole's competitive market.

Loan Features

Loan amounts from $75,000 to $3,000,000
Interest rates from 9.9% to 12.9%
6 to 18-month terms
Up to 90% of purchase price and 100% of rehab
Interest-only payments
Draw schedules for rehab funds

Benefits

Compete with cash buyers in competitive markets
No payments until property sells
Rehab funds released in draws as work completes
No experience required for qualified borrowers
Fast approvals to secure time-sensitive deals

Other Loan Types

Residential Rehab Loans

Fast financing for residential property renovations and improvements in Jackson Hole.

Commercial Real Estate Loans

Flexible financing solutions for commercial property acquisitions and refinancing.

Rental Property Loans

Long-term financing for single-family and multifamily rental investments.

Hard Money Bridge Loans

Short-term financing to bridge gaps between transactions.