Loan Program

Residential Rehab Loans in Jackson Hole, WY

Fast financing for residential property renovations and improvements throughout Jackson Hole, Wilson, Teton Village, and the greater Teton County region.

Request Funding Call 307-313-5330

Residential rehab loans provide investors and homeowners with quick access to capital for renovating and improving residential properties. These short-term loans are designed to fund property acquisitions and rehabilitation costs, making them ideal for fix-and-flip projects or value-add investments in the Jackson Hole area. Whether you're modernizing a dated property in Wilson, repairing damage from deferred maintenance in Kelly, or transforming a tired condo in Teton Village, our rehab loans offer the flexibility and speed you need.

Jackson Hole's residential market includes diverse property types, from historic ranch homes to modern mountain retreats to condominiums near the resort. Many of these properties benefit from strategic renovations that increase value and appeal to the region's discerning buyer pool. Our rehab loans accommodate projects of all scopes, from cosmetic updates to comprehensive overhauls requiring structural work, systems replacement, or additions.

Why Choose Our Rehab Loans for Jackson Hole Properties

Our rehab loan programs are designed with investors in mind. We offer high leverage, fast approvals, and flexible draw schedules that align with your renovation timeline. Our team understands construction in mountain environments, from dealing with seasonal contractor availability to navigating Jackson Hole's building requirements. We can help structure a loan that works for your specific project, whether you're flipping a single-family home or adding value to a small multifamily property.

Comprehensive Financing for Acquisition and Renovation

Successful rehab projects require capital for three distinct phases: property acquisition, renovation execution, and carrying costs during the project timeline. Our residential rehab loans provide integrated financing that addresses all three without requiring multiple funding sources. Acquisition financing enables you to purchase properties that conventional lenders reject due to condition issues. Renovation financing provides capital for materials, labor, permits, and professional services. Carrying cost coverage addresses property taxes, insurance, utilities, and loan interest during the renovation period.

Rehab Loan Features

Our residential rehab program offers competitive terms tailored to Jackson Hole's market:

Loan Amounts: $50,000 to $2,000,000 for projects ranging from condo updates to luxury home renovations
Interest Rates: Starting at 9.9% based on project metrics and borrower experience
Terms: 6 to 24 months to accommodate various renovation timelines
LTV: Up to 75% of after-repair value
Rehab Coverage: Up to 100% of renovation costs
Funding Speed: 7-10 days from application to closing
Draw Administration: Professional inspection and release process

Benefits of Rehab Financing

Residential rehab loans from Hard Money Loans of Jackson Hole provide distinct advantages for Jackson Hole investors:

Close deals quickly with cash-like offers that sellers prefer
Finance both purchase and renovation costs in one streamlined loan
Interest-only payments during rehab period preserve cash flow for project expenses
No prepayment penalties, repay when you sell or refinance without penalty
Flexible qualification requirements focused on property and project viability
Draw administration for controlled fund release as work completes
Local expertise in Jackson Hole's residential market valuations

Rehab Projects We Finance in Jackson Hole

We finance a wide range of residential renovation projects throughout our service area. Cosmetic renovations, kitchen and bathroom updates, flooring, paint, and landscaping, are common in established neighborhoods. Comprehensive rehabs including structural repairs, electrical and plumbing updates, and room additions are supported for qualified projects. We also finance specialized improvements such as garage-to-ADU conversions, which add income potential to single-family properties. Luxury renovations in premium markets like Wilson and Teton Village, involving high-end finishes and architectural redesigns, are accommodated with appropriate loan structures.

The Draw Process and Project Management

Renovation funds are held in escrow and released according to a draw schedule based on project milestones. When work is completed, you request an inspection, typically completed within 24-48 hours. Upon verification that work meets plan and quality standards, funds are released promptly. This process protects both borrower and lender while ensuring adequate capital flows to keep projects moving. We structure draw schedules to match your contractor payment needs and work with experienced contractors throughout the Jackson Hole area who understand our process.

Frequently Asked Questions

What's the difference between a rehab loan and a fix-and-flip loan?

Rehab loans and fix-and-flip loans are closely related, both finance acquisition and renovation. Fix-and-flip loans are specifically structured for investors who plan to sell the property after renovation. Rehab loans can also support value-add strategies where you hold the property as a rental after improvements. The terms and structure are similar; we'll help you choose the right program based on your exit strategy.

How quickly can I get approved for a rehab loan?

We provide pre-approval within 24 hours and can close rehab loans in 7-10 days. Our streamlined process focuses on property value, renovation scope, and after-repair value. Submit a property address, purchase price, renovation budget, and ARV estimate to receive a conditional approval that strengthens your purchase offer.

Do you finance both the purchase and renovation costs?

Yes. Our rehab loans provide integrated financing covering both acquisition and renovation costs. Funds for renovations are held in escrow and released in draws as work is completed and verified. This single-loan structure simplifies your financing and ensures adequate capital throughout the project.

What types of residential properties qualify?

We finance single-family homes, condominiums, townhouses, duplexes, triplexes, and fourplexes for renovation projects. Properties can be in various conditions, from cosmetic fixers to those requiring substantial work. We evaluate based on acquisition price, renovation scope, after-repair value, and your ability to execute the project.

What areas do you serve?

We serve Jackson Hole, Wilson, Hoback Junction, Kelly, Moose, Teton Village, Dubois, Moran, Bondurant, Pinedale, Alpine, Afton, Victor ID, and surrounding areas in Wyoming and Idaho. Our team has local market expertise across the greater Teton region.

Loan Features

Loan amounts from $50,000 to $2,000,000

Interest rates starting at 9.9%

Terms from 6 to 24 months

Up to 75% LTV and 100% of rehab costs

Funding in as little as 7-10 days

No income verification required

Benefits

Close deals quickly with cash-like offers

Finance both purchase and renovation costs

Interest-only payments during rehab period

No prepayment penalties

Flexible qualification requirements