Hard Money Loans in Hudson, Wisconsin
REIA Hard Money funds fix-and-flip and BRRRR projects in Hudson, Wisconsin and across St. Croix County, including North Hudson, River Falls, New Richmond, and Somerset. 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
Meet Dan in Hudson on Tuesday, October 27.
Dan Farsht, who underwrites every REIA Hard Money loan, will be at a local real estate investor meeting in Hudson on Tuesday, October 27. Bring a deal you're working on, or just come talk shop. Can't make it? Start with the pre-approval form and Dan will follow up.
What's the Hudson housing market doing for investors?
Hudson sits on the St. Croix River where I-94 crosses into Wisconsin, about 20 miles east of St. Paul. It's one of the fastest-growing cities in the state. Hudson's population has grown roughly 58% since 2000, and St. Croix County passed 100,000 residents in 2025, up about 7% since 2020. Thousands of residents commute to jobs in the Twin Cities every day.
That growth shows up in prices. St. Croix County's median sale price was about $424,000 in July 2026, well above the statewide median of $362,000, and Hudson's median owner-occupied home value is $392,700. Inventory stays tight because people want to move in and few owners leave.
For investors, the opportunity is the older homes in Hudson's established neighborhoods and the towns around it: dated houses in a market where renovated homes sell to a steady stream of buyers.
Sources: Zillow St. Croix County (July 2026); U.S. Census Bureau ACS 2020–2024; Wisconsin REALTORS® Association (Aug 2026). Refresh quarterly.
Does a Hudson deal fit your loan size?
Our loans typically run $85,000 to $350,000, and we lend up to 70% of after-repair value, rehab included. In practice that fits Hudson-area projects with an after-repair value up to roughly $500,000, which covers many of the starter and mid-tier homes investors renovate here. Working on something bigger? Call before you rule us out. Larger deals for established borrowers are handled case by case.
Investing in Hudson from across the river?
Plenty of Hudson's investors live on the Minnesota side of the St. Croix. If you already have a Minnesota LLC, you don't need to form a new Wisconsin LLC to flip here. You can register your Minnesota entity to do business in Wisconsin with the Department of Financial Institutions instead: Form 521 for an LLC, or Form 21 for a corporation. Your attorney or accountant can confirm which filing fits. Your closing happens at the title company handling your Hudson deal. One limit applies: we lend on Wisconsin property only, so your Minnesota deals need a different lender.
What do you fund in Hudson?
Fix-and-Flip Loans
Purchase and rehab funded in one 6-month, interest-only loan, up to 70% of ARV.
BRRRR Acquisitions
Renovate a rental with short-term money, then refinance. We refer DSCR loans to a trusted partner at no added cost.
Cross-Collateralized Loans
Hudson owners who bought years ago are often sitting on real equity. Pledge it in place of a down payment and start at RHM Pro terms.
Rental Portfolio Purchases
Buying several properties from a retiring landlord? We underwrite each property individually.
Tenant-occupied investment property is fine. Owner-occupied homes are not, because we only make business-purpose loans.
What does a hard money loan cost in Hudson?
Hudson 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 Promoves 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.
How do closings work when your lender is in Brookfield?
The same way they would with a lender down the street. Your closing happens at the title company handling your Hudson deal. We value the property with two independent desktop valuations instead of waiting for an appraiser to drive out, and rehab draws go out every Tuesday and Friday against invoices, lien waivers, and video of the finished work. Typical close: 10 to 14 days. If another lender just 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
Every borrower's deal is different, but the reviews keep coming back to the same things.
Frequently Asked Questions
Do you lend in River Falls, New Richmond, and Somerset?
Yes. Investment property across St. Croix County and nearby River Falls gets the same terms and process as Hudson.
Do you lend on Minnesota property?
No. We lend on Wisconsin investment property only.
Will you fund a first-time flipper in Hudson?
Yes, with no arbitrary experience minimum. First-time borrowers who understand the process get funded.
Can I buy a Hudson 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 a Hudson 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 Hudson 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: Eau Claire hard money loans · River Falls · Menomonie. All markets: Wisconsin hard money lender.
