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UNITEDLENDING

Investment property loans · OK

Hard money, fix and flip and DSCR loans in Oklahoma

Oklahoma investors bring us single-family rentals and renovations in Oklahoma City, Tulsa and Norman. We finance investment property only, for investors buying in their own name or through an LLC.

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Markets

Where we lend in Oklahoma

Cities we lend in include Oklahoma City, Tulsa and Norman, and the towns around them.
Oklahoma CityRentals and flips across a large, spread-out city, from early-1900s neighborhoods near downtown to newer subdivisions.
TulsaOlder houses in midtown and north of downtown, bought to rent or renovate, and newer homes on the east side.
NormanA college town south of Oklahoma City, with rentals near the University of Oklahoma.

Oklahoma

Loans by city in Oklahoma

Each city has its own page: the neighborhoods investors buy in, the housing and the local rules worth checking before an offer.

Loan programs

Loans for Oklahoma real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Oklahoma

30-year loans for Oklahoma rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Oklahoma

Buy and renovate in Oklahoma with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Oklahoma

Close quickly on a Oklahoma property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Oklahoma

Financing for new builds in Oklahoma, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Oklahoma

Financing for Oklahoma apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Oklahoma

Local things that change a deal's numbers or its closing date. Check them before you make an offer.
  • Oklahoma City, Tulsa and Norman each license short-term rentals. Oklahoma City limits them to the host's own home unless the Board of Adjustment grants a special exception, so check the rules before you buy a house to rent by the night.
  • All three cities review exterior work in their historic districts: Oklahoma City in districts such as Heritage Hills and Mesta Park, Tulsa in its HP-zoned neighborhoods, and Norman in Chautauqua, Miller and Southridge.

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Have a Oklahoma property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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  • Investment property only

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Oklahoma: common questions

Do you offer hard money loans in Oklahoma?

Yes. United Lending LLC offers private real estate financing for investors in Oklahoma: short-term fix and flip and bridge loans sized on the deal, 30-year DSCR loans sized on the rent, and construction and multifamily financing quoted per deal. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you lend in Oklahoma?

Yes. United Lending LLC offers business-purpose financing on investment property across Oklahoma, including Oklahoma City, Tulsa and Norman. Tell us the property's address on the form and a loan officer will confirm the details on the first call.

Which loans can I get for a Oklahoma property?

Fix and flip loans of up to 95% of the price and 100% of the rehab budget, and bridge loans up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, up to 85% loan-to-value on a purchase and 80% on a cash-out refinance; those are separate limits, not one combined offer. Construction and multifamily loans are quoted per deal. All limits are subject to appraisal and underwriting, and every loan is for property you invest in, not a house you or a relative will occupy.

Is there a prepayment penalty on a Oklahoma loan?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Oklahoma or have an LLC there?

No. Many of our borrowers invest outside the state they live in. You can borrow in your own name or through an LLC; if the LLC was formed in another state, your loan officer will tell you what's needed before closing.

Where we lend

More states with local pages