What's the credit minimum?

A common baseline is 680+ FICO, with some short-term programs allowing as low as 650, no serious delinquencies in the past two years.

Can I do a DSCR rental loan in Boise?

Yes. 30-year DSCR rental loans are available across the Boise metro and other Idaho MSAs that meet our property and population criteria.

Hard Money Loans in Idaho | Investor Lending

Q: How fast can an Idaho hard money loan close?

Once a file is ready for underwriting, rehab and bridge loans typically close in about 10 business days for new clients and 5-7 business days for repeat clients.

Capital for Idaho Investors

Idaho has been one of the fastest-growing investor markets in the western U.S. The Treasure Valley (Boise, Meridian, Nampa, Caldwell) has absorbed years of in-migration from California and the Pacific Northwest, driving sustained price appreciation and rental demand. Eastern Idaho - Idaho Falls and Pocatello - offers more affordable entry prices with stable employment from federal labs, healthcare, and agriculture. And Coeur d'Alene anchors a high-end North Idaho market with strong second-home and STR economics.

MyDealLoan funds business-purpose real estate loans across Idaho's qualifying MSAs. Whether you're rehabbing a Boise bench bungalow, scaling a Meridian SFR rental portfolio, or building new in Eagle, we issue terms within 24 hours and close on the timeline we quoted.

Idaho Markets We Cover

Boise Metro

Boise, Meridian, Nampa, Caldwell, Eagle, Star. The deepest investor market in the state - flips, DSCR rentals, and new construction all in active rotation.

Eastern Idaho

Idaho Falls, Pocatello, Rexburg. Lower acquisition costs, stable rents from anchored employment - strong cash-flow profile for buy-and-hold.

North Idaho

Coeur d'Alene, Post Falls, Hayden. Strong second-home and STR markets along the Spokane corridor; lender appetite varies by price tier.

Idaho Loan Programs

Fix & Flip / ARV

Up to 75% ARV / 90% LTC, 12-24 month terms. Built for Boise-metro and Eastern Idaho rehabs.

See full Fix & Flip details →

DSCR Rental

30-year fixed, up to 80% LTV. Perfect for Treasure Valley buy-and-hold.

See full DSCR details →

Ground-Up Construction

Up to 90% LTC, draw-based funding for new SFR and small-subdivision projects.

See construction details →

Multi-Family (5-9 Units)

Small balance multifamily acquisition and refi for Idaho operators scaling up.

See multi-family details →

Idaho Hard Money FAQ

Does MyDealLoan lend directly in Idaho?

Yes. Idaho is part of our direct lending footprint - Boise, Meridian, Idaho Falls, Coeur d'Alene, and other MSAs above 75,000 population are all eligible.

How fast can an Idaho hard money deal close?

Rehab and bridge loans typically close in about 10 business days for new clients and 5-7 days for repeat clients, starting when the file is ready for underwriting.

Can I do a DSCR loan in Coeur d'Alene?

Yes, including STR-eligible DSCR for properties with 6+ months of operating history. Subject to property value and program guidelines.

What about rural Idaho properties?

Properties must be in MSAs with population greater than 75,000 to qualify under our core programs. Rural designations are confirmed by appraisal for long-term loans and by submarket review for short-term loans.

Hard Money Loans in Idaho