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Hard Money Lenders
Oklahoma

For experienced and beginner investors flipping Oklahoma’s real estate market. Our hard money loans cover up to 90% Of Purchase + 100% of Rehab.
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Funded Oklahoma Fix and Flip
Funded House Flip in Oklahoma
Loan Amount: $110,312.50
LTV: 87.5% of Purchase + 100% of Rehab
  • Rate 10.99%
  • 12 Months
  • Points 2.50%
  • 18 Days to Close

Why ChOose Ridge Street For Your Oklahoma Hard Money Loan

Over 200
Funded Deals
$80M+
Loan Volume
70+
5 Star Reviews
10-14 Days
Avg. Closing Time
In 35 States
Including Oklahoma

How We Evaluate Hard Money Loans In Oklahoma

At Ridge Street Capital, we’re more than just a national lender—we're the lender of choice for Oklahoma real estate investors looking for fast, reliable funding. This section is here to give you a transparent view into how we evaluate fix and flip opportunities across the state. Here’s how we evaluate your deal:

1.  We Prioritize Profitable Projects

We fund deals with strong potential for success. That typically means:

  • Loan amounts up to 75% of After Repair Value
  • ‍Projects with at least 20% projected ROI
  • ‍An ARV backed by credible sold comps, not inflated listings
We’re looking for win-win projects where our borrowers will be successful.

2. We Match Rehab Scope With Experience

As an investor builds their track record, access to financing on larger more complex projects is provided:

  • ‍Beginner investors should focus on moderate rehab deals (Rehab <= 50%Purchase Price)
  • Intermediate flippers with 1-2 completes projects, can pursue heavy rehabs (Rehab <= 100% Of Purchase)
  • Experience investors with 3-5+ completed projects can be financed on expansion projects
Most successful house flippers and BRRR investors have a rinse a repeat strategy with light and moderate rehabs.

As an investor builds their track record, access to fiancing on larger more complex projects is provided:

  • Loan amounts up to 75% of After Repair Value
  • ‍Projects with at least 20% projected ROI
  • ‍An ARV backed by credible sold comps, not inflated listings
This is some text inside of a div block.

3.  We Reward Creditworthy Borrowers

While our loans are asset-based, your credit still matters.

  • Strong credit is the highest indicators of successful fix and flips across our protfolio
  • Real Estate investors often have high credit utilization which can bring down their scores - this is acceptable for underwriting
If you're credit score is above 660 we'll be happy to work with you and your team.

4.   Lending in Strong Oklahoma Submarkets

Leverage is adjusted based on local market strength.
Up to 75% LTARV in Oklahoma's strongest housing markets and more conservative (e.g., 65% LTARV) in declining submarkets.
‍
In 2025, Oklahoma’s major metros—like Oklahoma City, Tulsa, and Norman—have shown steady fundamentals without the volatility seen in some other states. Because of this stability, Ridge Street does not flag any Oklahoma submarkets where leverage is capped. Whether in larger cities or smaller secondary markets, we’re comfortable offering our maximum LTV to both experienced and first-time investors, as long as the deal pencils.

Oklahoma Hard Money Loan Product Details

Oklahoma Fix and Flip Loan Beginner

Perfect for first-time investors with solid credit, doing light to moderate rehab projects.

Up to 90% Loan-to-Cost (LTC) and 100% Rehab with 740+ credit

Up to 80% Purchase + 100% Rehab with 720+ credit

Up to 75% Purchase + 100% Rehab with 660+ credit

Max 705% Loan to After-Repair Value (LTARV)

Interest Rates from 10.75% to 11.25%

Origination Fee: From 2.5%

Loan Size: $50,000 to $2,000,000

Moderate Rehab Only (Rehab ≤ 50% of Purchase Price)

See our Guide on Fix and Flip Loans For Begginers

Learn More
Get Approved Online

Oklahoma Fix and Flip Loan Intermediate

Designed for investors with 1-2 experiences 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% Loan to After-Repair Value (LTARV)

Intersest Rates from 10.65%–11.25%

Origination Fee From 2.0%

Loan Size $50,000–$2,500,000

Heavy Rehab Allowed (Rehab ≤ 100% of Purchase)

Use our Fix and Flip Loan Calculator

Learn More
Get Approved Online

Oklahoma Fix and Flip Loan Pro

Ideal for experienced investors with 3-5+ experiences pursuing heavier rehab projects.

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% Loan to After-Repair Value (LTARV)

Interest Rates from 10.5% to 10.75%

Origination Fee: From 1.5%

Loan Size from $50,000–$3,500,000

Expansion Projects and lopsided rehabs allowed

Learn More
Get Approved Online

Check To See What Terms You Qualify for?

See Your Terms

Oklahoma Hard Money Loan process

We make funding your Oklahoma real estate investment fast and simple. Our process is streamlined for speed and transparency— with closings in as little as 7-14 business days.

Hard Money Loan Step 1 Container
Step 1 Icon

Apply Or Get Pre-Approved Online

~ 2mins
Fill out a 2 Min Quick App with info about your Oklahoma based project. We need some preliminary information so that we can accurately evaluate your deal.

Whether you're actively under contract or just looking to get pre-approved, we’ll review your application details and get back to you within the same business day.
Request A Term Sheet | Get Pre-Approved | Schedule A Call
Loan Process Step 2
Step 2 Icon

Receive a Term Sheet

~ 2mins
Once we have your completed application, we’ll send you a The Term Sheet via email that will provide a clear breakdown of the loan amount, rate, fees, non-lender costs, and estimated cash to close. We’ll also follow-up with a call to walk you through the process.
Hard Money Loan Process Step 3 Container
Step 3 Icon

Submit Docs

~ 1-7 days
Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin formally underwriting the loan. We’ll collect documents like an ID, purchase contract, and rehab budget, and Entity Documents.
Loan Process Step 4
Step 4

Appraisal

~ 2-7 days
Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days. We have quick turn around appraisal option to make sure our Oklahoma based deals can close quickly.
Hard Money Loan Process Step 5 Container
Step 5 Icon

Closing

~ 1-3 days
Once we have the completed document package, we’ll schedule closing with your title company or attorney. Funds are wired same-day after signing. You’ll get a copy of the final HUD and wire confirmation.
Get Started

Funded Oklahoma Hard Money Loan

A Proven Track Record Funding Projects Like These

State
Oklahoma
Loan Type
Fix and Flip Loan
Loan Amount
$110,312.50
Loan Amount (if applicable)
87.5% of Purchase + 100% Of Rehab
Rate
10.99%
Points
2.50%

Oklahoma Deal Summary

Ridge Street Capital provided a $110,312.50 hard money loan to a first time investor for the acquisition and renovation of a 3-bedroom, 2-bathroom, 1,588 sq. ft. property in Oklahoma City, OK.

The loan covered 87.5% of the purchase price and 100% of the $25,000 rehab budget, which focused on light cosmetic upgrades, including modernizing the kitchen, refinishing hardwood floors, and enhancing curb appeal.

The borrower was a first time fix and flip investor with excellent credit (740+), so we offered maximum leverage at 75% of the After Repair Value. The borrower came out of pocket with a $10,000 down payment plus closing costs.

We received the loan request with ample time (30 Days) and closed early in just 18 days from receipt of the Loan Application.

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Get Terms For Your Project
Oklahoma Hard Money LOan

Client Review

"Zach and his team didn’t just provide funding—they coached me through my first deal and made sure I understood every step. Anytime I had a question, they were incredibly responsive, often getting back to me within the hour. The whole process was smooth and straightforward, which made it so much less stressful. I’ll definitely be coming back for my next project.”

David R. - Oklahoma City Investor

Frequently Asked Questions

How do Hard Money Loans work in Oklahoma?

Hard money loans in Oklahoma are short-term, asset-based loans used by real estate investors to purchase, rehab, or build investment properties. Approval is based on the property’s current value, after-repair value (ARV), your investing track record, and credit score—not your personal income. Oklahoma hard money lenders like Ridge Street Capital can close in as little as 7-10 days, making them ideal for competitive markets like Oklahoma City and Tulsa.

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

Yes, fix and flip loans are a type of hard money loan. They’re specifically designed to help investors quickly secure funds for the purchase and rehab of distressed properties before reselling for profit. Check out our complete guide for fix and flip loans.

Can I finance 100% of my Fix & Flip with a Hard Money Loan?

In Oklahoma, Ridge Street requires investors to bring 10–20% of the project cost as a down payment. However, experienced investors or first time investors with strong credit may qualify for up to 90% Loan-to-Cost (LTC) and 100% of rehab expenses, effectively covering the full renovation budget.

How Fast can I Close a Hard Money Loan?

In Oklahoma, Ridge Street can close hard money loans  in as little as 7–10 business days, depending on appraisal and document turnaround.

Do Hard Money Loans Require a Good Credit Score?

While credit score matters, Ridge Street’s hard money loans focus more on the property’s value and your exit strategy. Borrowers who have credit scores as low as 660 are eligible for financing, with better terms available for scores of 740+.

Do you offer DSCR Loans in Oklahoma?

Yes, we offer DSCR (Debt Service Coverage Ratio) loans in Oklahoma. We have DSCR Loans For Long Term Rentals and DSCR Loans For Short Term Rentals like Airbnb and VRBO.

How do I Find Good Fix and Flip Deals in Oklahoma?

Oklahoma investors often find deals through wholesalers, foreclosures, REO (bank-owned) listings, MLS searches, and local real estate investment groups. Building relationships local real estate agents and wholesalers can give you early access to off-market opportunities. It is extremely important to be patient when looking for deals anf move quickly once you find the right investment.

Can I use a Hard Money Loan for a BRRRR Project in OK?

Yes, many Oklahoma investors use our hard money loans to purchase and rehab a property, then refinance into a long-term DSCR loan to hold it as a rental. Use our BRRRR Calculator to run the analysis on your BRRRR Project.

Do I need an LLC to get a Hard Money Loan in Oklahoma?

Yes, in Oklahoma, Ridge Street requires borrowers to purchase fix and flips through an LLC or Corporation. Setting up an LLC is actually quite straight forward process. We can recomend this guide for setting up an LLC in Oklahoma: Starting An LLC in Oklahoma

Where can I Learn More about Real Estate Investing in OK?

One of the best ways to get started is by attending local real estate investor (REI) meetups and networking events. Connecting with experienced investors can help you learn market trends, find partners, and source deals. Here are some great Oklahoma REI resources:
‍
‍Oklahoma City: OKCREIA – Monthly meetups and workshops for local investors.
‍Tulsa: Tulsa REIA – Networking and education for Tulsa investors.
‍
For a statewide and national resource, check out BiggerPockets, where you can connect with Oklahoma investors, access tools, and read educational articles.

Best Cities To Invest In Real Estate
In Oklahoma

Oklahoma City (OKC)

Oklahoma City has seen steady population and job growth in recent years, driven by healthcare, energy, and aerospace sectors. Median home sales prices sat around $235K (June 2025), up modestly year-over-year, with inventory levels still relatively tight compared to pre-pandemic norms. Rents remain affordable, and demand is supported by a growing renter base, though rent growth has cooled since its 2022 peak. What this means for investors: OKC offers solid long-term rental and BRRRR opportunities, with moderate fix-and-flip potential in working-class neighborhoods. Conservative rent assumptions and attention to crime pockets are key to protecting returns.

Tulsa

Tulsa’s market has been more balanced than OKC, with median home values around $210K (June 2025) and days on market holding relatively stable. The city benefits from a strong local economy with diversification in energy, finance, and tech, along with affordability that keeps rental demand steady. Rents are still growing in select submarkets, particularly near downtown and university areas, though overall growth has slowed since 2023. What this means for investors: Tulsa is attractive for affordable fix-and-flips and value-add rentals, but competition from local investors is heating up. Target neighborhoods with strong rent-to-price ratios and stable tenant bases.

Norman

Norman’s housing market is closely tied to the University of Oklahoma, which drives steady rental demand from students and faculty. Median home sales prices hovered near $265K (June 2025), with a slight uptick over last year, though homes are taking longer to sell compared to 2023. Rental demand is consistent but seasonal, and higher-priced rentals have seen some softening in 2025. What this means for investors: Norman is a niche market well-suited for student rentals and smaller fix-and-flip projects. Investors should account for turnover and vacancy tied to the academic calendar, and underwrite conservatively for rent growth in higher-end properties.

Additional Hard Money Loan Resources

View More

November 9, 2024

Fix and Flip Calculator

Use this Fix and Flip Calculator to analyze the profit of your next fix and flip project.

July 31, 2024

BRRRR Calculator

Use this interactive BRRRR Calculator for evaluating your investment property deals in minutes.

July 9, 2024

Best Fix and Flip Loans for First-Time Investors

What makes a good Fix and Flip Loan for a first time investor and how to secure this capital?

READY TO GET
STARTED

With Ridge Street, obtaining an investment property loan is easier than you think! You can get pre-approved online and a Term Sheet that meets your needs will be sent to you within the same business day.

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