Hard Money Loans in Appleton, Wisconsin
REIA Hard Money funds fix-and-flip, BRRRR, and value-add projects in Appleton and across the Fox Cities, including Neenah, Menasha, Kaukauna, Kimberly, Little Chute, and Grand Chute. We're a Wisconsin-based private lender with 175+ loans and about $36 million funded since late 2023. Typical closings take 10 to 14 days, with loans up to 70% of after-repair value.
or call (262) 208-4708
Dan meets investors in person across the Fox Valley. Ask when he'll next be in Appleton.
What's the Appleton real estate market like for investors?
Appleton is the largest of the Fox Cities, a string of communities along the Fox River and I-41 between Green Bay and Oshkosh. The city has about 74,000 people and is home to Lawrence University and a large regional health care sector.
The median closing price in Appleton was about $304,500 over the six months through September 2026, with the middle half of sales between $250,000 and $395,000. Listings have grown faster here than in much of the state in 2026, which gives investors more choice and more room to negotiate on the purchase.
The housing stock leaves plenty to renovate. Nearly 19% of Appleton's homes were built before 1940, and about 35% before 1960. Renovated homes in established neighborhoods sell to a steady base of local buyers, and about a third of the city's homes are rentals.
Sources: Resideline (Sept 2026); Realtor.com via local broker reports (spring 2026); U.S. Census Bureau, American Community Survey 2024. Refresh quarterly.
What do you fund in central Wisconsin?
Fix-and-Flip Loans
Purchase and rehab funded in one 6-month, interest-only loan, up to 70% of ARV.
BRRRR Acquisitions
Renovate, rent, and refinance through our DSCR partner at no added cost.
Cross-Collateralized Loans
Rental Portfolio Purchases
Each property underwritten individually.
We lend on 1–4 unit residential, mixed-use, and select small commercial property. Tenant-occupied investment property is fine; owner-occupied homes are not.
What does a hard money loan cost in Appleton?
Appleton deals get the same Wisconsin pricing as every market we lend in: rates as low as 12% and 3 points for qualified borrowers, with up to 100% funding available. New borrowers start at a 15% rate with 15% down. After three completed deals with us, RHM Pro moves you to 12% with no down payment and points wrapped into the loan. RHM Pro V, for investors doing four or more deals a year, drops points to 3 and advances up to 20% of your repair budget at closing.
Already have a track record with another lender or your own capital? We'll verify it and start you at the tier you've earned.
See the full tier table
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How fast can you close in the Fox Cities?
Typical closings run 10 to 14 days at the title company handling your deal. Two independent desktop valuations replace the wait for an appraiser, and you get a soft credit pull that never touches your score, with no income verification. Rehab draws go out every Tuesday and Friday against invoices, lien waivers, and video of the completed work. If another lender backed out and your title work is ready, a rescue close can fund in as little as 72 hours.
What borrowers say about REIA Hard Money
Appleton Hard Money FAQ
Do you lend in Neenah, Menasha, and Kaukauna?
Yes. Investment property across the Fox Cities gets the same terms and process as Appleton.
Do you lend outside the Milwaukee area?
Yes. We lend statewide with the same pricing and process. Closings happen at the title company handling your deal.
Will you fund a first-time flipper in Appleton?
Yes, with no arbitrary experience minimum. First-time borrowers who understand the process get funded.
Can I buy an Appleton home to live in while I renovate it?
No. We only make business-purpose loans, so we don't lend on a home or unit you plan to live in.
How fast can you close an Appleton deal?
Typical closings take 10 to 14 days. With title work complete, a rescue close can fund in as little as 72 hours.
Fund your Fox Cities deal
The fastest first step is our pre-approval form. It takes a few minutes and means our first conversation is about your deal, not your paperwork. Prefer to talk first? Call (262) 208-4708.
Nearby: Green Bay hard money loans · Wausau hard money loans. All markets: Wisconsin hard money lender.
