FIX & FLIP LOANS · Wyoming (WY) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Wyoming Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Wyoming Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Wyoming (WY), lenders underwrite to a Non-Judicial (Foreclosure by Advertisement & Sale) statutory framework (60–90 days (+ 3-mo redemption)-day average timeline), a 0.58% average property tax rate (~$167/mo at the $345,000 state median), and $520/$100K hazard insurance (~$150/mo).

Max Leverage / LTC
Up to 90% Purchase + 100% Rehab (75% ARV Cap)
Min FICO: 620 – 660+ FICO
2026 Rate Band
9.25% – 11.25% Interest-Only
12 – 18 Months Interest-Only (No Prepayment Penalty)
WY Security Instrument
Non-Judicial (Foreclosure by Advertisement & Sale)
60–90 days (+ 3-mo redemption) days avg timeline
WY Avg Tax & Ins
0.58% Tax
$520/$100K Hazard Ins

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Wyoming Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach