A hard money loan in Wyoming is collateral-first, short-term financing for time-sensitive deals — auction buys, distressed acquisitions, and BRRRR rehabs in Jackson and beyond. Speed and certainty of close are the product.
What Wyoming investors use hard money for
- Estate and probate acquisitions in Jackson that need certainty of funds
- Bridge between purchase and permanent financing or sale
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- Distressed / non-warrantable assets a conventional lender will not touch
Why speed matters here: Wyoming foreclosure is non-judicial — power-of-sale foreclosure is available and relatively quick. Asset-based capital lets you act on that inventory before financed buyers can.
Wyoming hard money terms (2026)
| Term | Wyoming range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $325,000 – $525,000 typical ARV |
Wyoming metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Jackson | $900K–$1.6M | $3,000–$4,500 | resort basis underwritten conservatively; Teton STR rules |
| Cheyenne | $300K–$420K | $1,550–$2,100 | F.E. Warren AFB and state-government demand |
| Casper | $240K–$340K | $1,300–$1,750 | energy-sector cyclicality; conservative comps |
Wyoming has no state income tax, which strengthens after-tax returns on the eventual hold or flip exit.
Diligence before you fund in Wyoming
Underwrite local risk honestly in Wyoming:
- Extreme winter logistics
- Resort-market volatility around Jackson/Teton
What we need to issue a Wyoming term sheet
- Proof of funds for down payment and reserves
- Purchase contract or auction confirmation
- Entity documents (LLC operating agreement, EIN) for vesting
- Comps or a desktop valuation toward ARV
- Scope of work and rehab budget
Clean documents on these points are what compress a Wyoming closing to days, not weeks.
Recent Wyoming deal
Cheyenne SFR flip funded at 87% LTC; Jackson deals underwritten conservatively for resort basis. Asset and exit drove the approval — not a personal income file.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Wyoming that means one of two exits:
- Resale — finish and sell via fix and flip loans Wyoming economics
- Refinance — stabilize and hold with a Wyoming DSCR loan
Wyoming Division of Banking mortgage licensing applies; Teton County STR rules affect Jackson exits.
Wyoming hard money FAQ
How fast can a Wyoming hard money loan close?
With clear title and a workable scope, Wyoming deals can fund in roughly 7–14 days — fast enough for Jackson auction and estate deadlines.
What leverage do Wyoming hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $325,000 – $525,000 band in Wyoming). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on a Wyoming hard money loan?
Either resale via fix and flip, or refinance into a Wyoming DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Wyoming Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.