Hard Money Loans Wisconsin

Designed for both new and seasoned investors in Wisconsin’s real estate market, our hard money loans finance up to 90% of the property purchase and cover the full rehabilitation costs.

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

Over 200

Funded Deals

$50M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including Louisiana

Why Investors Choose Us for Hard Money Financing in Wisconsin

At Investors Mortgage Group, we go beyond traditional lending by providing Louisiana real estate investors with fast, dependable financing solutions. Our goal is to support investors across the state by offering clear insight into how fix-and-flip projects are reviewed and approved.

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.

Wisconsin Hard Money Loan Program Overview

Wisconsin Fix and Flip Loan – Beginner

Best suited for new investors with good credit handling small to mid-level renovations.

First-time investors, light/moderate rehabs
90% LTC + 100% rehab (740+ credit)
80% purchase + 100% rehab (720+)
75% purchase + 100% rehab (660+ credit)
Max 75% LTARV
Interest: 10.75%–11.25% | Fee: From 2.0%
Loan Size: $50K–$2M
Moderate rehab ≤50% purchase

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Wisconsin Fix & Flip Loan – Intermediate

Built for investors with some experience and larger renovation plans.

1–2 project experience, larger rehabs
90% LTC + 100% rehab (740+ credit)
80% purchase + 100% rehab (680+ credit)
75% purchase + 100% rehab (660+ credit)
Max 75% LTARV
Interest: 10.65%–11.25% | Fee: From 2.0%
Loan Size: $50K–$2.5M
Heavy rehab ≤100% purchase

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Wisconsin Fix & Flip Loan – Pro

Designed for experienced investors managing complex or large-scale rehab projects.

3–5+ project experience, heavy rehabs
90% LTC + 100% rehab (720+ credit)
85% purchase + 100% rehab (680+ credit)
80% purchase + 100% rehab (660+ credit)
Max 75% LTARV
Interest: 10.5%–10.75% | Fee: From 1.5%
Loan Size: $50K–$3.5M
Expansion & lopsided rehabs allowed

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State
Wisconsin

Loan Type
Fix and Flip

Loan Amount

Loan Amount (if applicable)
85% of Purchase + 100% Of Rehab

Rate
10.00%

Points
2.5%

Wisconsin Deal Summary

A $335,000 hard money loan was provided to an experienced investor for the purchase and renovation of a 4-bedroom, 2-bathroom, 1,887 sq. ft. home in Madison, WI.

The loan covered 85% of the purchase price and 100% of the $90,000 rehab budget, which included light cosmetic upgrades such as modernizing the kitchen and bathrooms, replacing the roof, and repairing a foundation leak.

The borrower had completed 3 prior flips and had average credit, so maximum leverage of 70% of the After Repair Value was offered. The borrower contributed $36,750 as a down payment plus closing costs.

Frequently Asked Questions

How Do Hard Money Loans Work in Wisconsin ?

Hard money loans in Iowa 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?

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 Wisconsin , 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 Wisconsin?

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 Wisconsin ?

Yes, a hard money loan can be used to acquire and renovate a rental property in Wisconsin . 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.