Hard Money Loans – Oklahoma

Designed for both new and experienced investors flipping properties in Oklahoma. Financing can cover up to 90% of the purchase price and 100% of renovation costs.

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Reasons to Choose Investors Mortgage Group for Your Oklahoma Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including Oklahoma

Our Approach to Assessing Hard Money Loans in Oklahoma

At Investors Mortgage Group, we’re committed to providing fast, reliable funding for Oklahoma real estate investors. This section offers a clear look at how we carefully evaluate fix-and-flip opportunities throughout the state, helping investors make informed decisions and maximize their returns.

We Prioritize Profitable Projects

We focus on funding deals with strong potential for success. This typically includes:

Loan amounts up to 75% of After Repair Value (ARV)

Projects with at least 20% projected ROI

ARV backed by credible sold comps, not inflated listings

At Investors Mortgage Group, we aim for win-win projects that give our borrowers the best chance for success.

We Match Rehab Scope With Experience

As investors build their track record, they gain access to financing for larger and more complex projects:

Beginner investors: Moderate rehabs (rehab ≤ 50% of purchase price)

Intermediate investors (1–2 completed projects): Heavy rehabs (rehab ≤ 100% of purchase price)

Experienced investors (3–5+ completed projects): Expansion projects

Most successful house flippers and BRRR investors follow a repeatable strategy with light and moderate rehabs.

We Reward Creditworthy Borrowers

Even though our loans are asset-based, your credit matters:

Strong credit is one of the best indicators of successful fix-and-flip projects

High credit utilization is common among real estate investors and is generally acceptable for underwriting

Credit scores above 660 are preferred, and we’re happy to work with you and your team

Lending in Strong Oklahoma Submarkets

Leverage is adjusted according to local market conditions:

Up to 75% LTARV in Oklahoma’s strongest housing markets

More conservative leverage (e.g., 65% LTARV) in declining submarkets

In 2025, Oklahoma’s major metros—Oklahoma City, Tulsa, and Norman—have shown steady fundamentals. At Investors Mortgage Group, we are comfortable offering maximum LTV in both large cities and smaller secondary markets for experienced and first-time investors, as long as the deal makes financial sense.

Oklahoma Hard Money Loan Details

Oklahoma Fix and Flip Loan – Beginner

Perfect for first-time investors doing light to moderate rehab projects.

Up to 90% LTC + 100% Rehab with 740+ credit
Up to 80% Purchase + 100% Rehab with 720+ credit
Up to 75% Purchase + 100% Rehab with 660+ credit
Max 70–75% Loan-to-After-Repair Value (LTARV)
Interest: 10.75%–11.25% | Origination: from 2.5%
Loan Size: $50K–$2M
Rehab Limit: ≤50% of Purchase Price
Guides & Tools: Beginner Fix & Flip Loan Guide

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Oklahoma Fix and Flip Loan – Intermediate

For investors with 1–2 projects and larger rehab goals.

Up to 90% LTC + 100% Rehab with 740+ credit
Up to 80% Purchase + 100% Rehab with 680+ credit
Up to 75% Purchase + 100% Rehab with 660+ credit
Max 75% LTARV
Interest: 10.65%–11.25% | Origination: from 2.0%
Loan Size: $50K–$2.5M
Rehab Limit: ≤100% of Purchase Price
Tools: Fix & Flip Loan Calculator

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Oklahoma Fix and Flip Loan – Pro

For experienced investors (3–5+ projects) handling heavier rehabs.

Up to 90% LTC + 100% Rehab with 720+ credit
Up to 85% Purchase + 100% Rehab with 680+ credit
Up to 80% Purchase + 100% Rehab with 660+ credit
Max 75% LTARV
Interest: 10.5%–10.75% | Origination: from 1.5%
Loan Size: $50K–$3.5M
Rehab: Expansion & complex projects allowed

Get Approved Online

State
Oklahoma

Loan Type
Fix and Flip

Loan Amount
$110,312.50

Loan Amount (if applicable)
87.5% of Purchase + 100% Of Rehab

Rate
10.00%

Points
2.5%

Oklahoma Deal Summary

Investors Mortgage Group company funded a $110,312.50 hard money loan for a first-time investor to purchase and renovate a 3-bedroom, 2-bathroom, 1,588 sq. ft. property located in Oklahoma City, Oklahoma.

The financing covered 87.5% of the purchase price along with 100% of the $25,000 renovation budget. The rehab scope included light cosmetic improvements such as kitchen upgrades, hardwood floor refinishing, and exterior enhancements to boost curb appeal.

Since the borrower was a first-time fix-and-flip investor with strong credit (740+), maximum leverage was approved at 75% of the after-repair value (ARV). The investor contributed $10,000 as a down payment, in addition to standard closing costs.

The loan request was submitted with a 30-day timeline, allowing us to move efficiently and complete the closing in just 18 days from application submission.

Frequently Asked Questions

How Do Hard Money Loans Work in Oklahoma?

Hard money loans in Oklahoma are short-term, property-backed financing options commonly used by real estate investors to buy, renovate, or develop investment properties. Loan approval is primarily determined by the property’s current value, projected after-repair value (ARV), the investor’s experience, and credit profile, rather than personal income or tax returns.

Are Fix and Flip Loans the Same as Hard Money Loans?

es, fix and flip loans fall under the category of hard money loans. They are specifically structured to help real estate investors quickly finance the purchase and renovation of distressed properties, with the goal of selling them for a profit.

How Fast Can I Close a Hard Money Loan?

In Oklahoma, hard money loans can often be closed in as little as 7–10 business days, depending on factors such as property appraisal timing and document processing. This fast turnaround makes hard money financing a strong option for investors who need to move quickly on competitive deals.

How is the loan-to-value (LTV) calculated for hard money loans in Oklahoma?

The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.

Can a hard money loan be used for rental properties in Oklahoma?

Yes, a hard money loan can be used to acquire and renovate a rental property in Oklahoma. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.