© WHERE WE LEND SAN DIEGO HQ · IDAHO
HARD MONEY LENDER IDAHO
Loan Goat funds real estate investors in Boise, Meridian and Idaho Falls, with capital that closes on time.
CALL OR TEXT US (619) 617-2797
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- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Idaho, from the Treasure Valley cities of Boise, Meridian and Nampa out to Idaho Falls and Pocatello in the east. Our borrower is the investor buying with a plan: a rental added to a growing portfolio, a rehab in an older Boise neighborhood, a small subdivision on the edge of Canyon County. Business purpose, non-owner-occupied, and priced on the property itself.
Idaho became a destination market and never went back. Ada and Canyon counties absorbed years of in-migration, and the housing stock shows it: ranch homes and split entries from the boom decades, newer subdivision product in Meridian and Nampa, and older brick and bungalow stock in Boise's North End. East Idaho runs on a different engine, with Idaho Falls anchored by the national laboratory and Pocatello by Idaho State University.
We lend in Idaho and we operate from San Diego. Loan Goat is a direct lender, which means the capital is ours and the decision belongs to one person rather than a committee. That is why a Bonneville County bridge request can be answered the day it lands and funded in 5 to 7 days. You do not need a lender with a Boise storefront. You need one that wires.
Investors here buy entry-level ranches in Nampa and Caldwell to rehab and rent, mid-century homes near Boise State and on the Boise Bench for flips, and newer builds in Meridian for straightforward buy-and-hold. Small multifamily is scarce and gets bid hard. East of the Snake River Plain, Idaho Falls and Pocatello trade at a lower basis, where older frame houses and small apartment buildings are held for cash flow rather than appreciation.
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EXPLORE OUR IDAHO LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
© THE COST SAN DIEGO HQ · IDAHO
WHAT DO IDAHO HARD MONEY LOANS COST
There is no separate Idaho rate sheet. Bridge opens at 9.00%, terms run one or two years, and a minimum 650 credit score applies. What moves the number is the property, the leverage and how the loan gets paid back.
The written quote comes first and it holds. For an Idaho borrower on a contract clock, that is the difference between a real number and a maybe.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · IDAHO
WHY LOAN GOAT IN IDAHO
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Banks move on a schedule that Idaho sellers do not respect. An off-market Meridian rental with a short close window goes to the buyer who can perform, and performing means funding. Loan Goat underwrites the property, not your paperwork stack. Bridge from 9.00%, up to 75% LTV, minimal documentation, and a close in 5 to 7 days when title cooperates. That is the whole pitch.
The program list covers a full Idaho strategy. Fix and flip for the rehab, construction loans for ground-up work in the Treasure Valley, DSCR rental loans qualified on the lease, commercial for a Pocatello storefront or small office, blanket loans across a scattered portfolio, and second and third mortgages to tap equity you have already built. No prepayment penalties, so a quick sale never gets taxed by your lender.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
IDAHO, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Idaho files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN IDAHO
Nine programs run in Idaho. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · IDAHO
HOW WE LEND IN IDAHO
The program list covers a full Idaho strategy. Fix and flip for the rehab, construction loans for ground-up work in the Treasure Valley, DSCR rental loans qualified on the lease, commercial for a Pocatello storefront or small office, blanket loans across a scattered portfolio, and second and third mortgages to tap equity you have already built. No prepayment penalties, so a quick sale never gets taxed by your lender.
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IDAHO BORROWERS, IN THEIR WORDS
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I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES
© QUESTIONS SAN DIEGO HQ · IDAHO
IDAHO HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, Loan Goat funds investor real estate loans across Idaho, including Boise, Meridian, Nampa, Idaho Falls and Pocatello. We are a direct private lender using in-house capital, with 1.3K+ closed loans since 2022. Business-purpose and non-owner-occupied property is what we finance, from a single rental house up to $25,000,000 on commercial bridge. One call gets you straight to the decision maker.
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Standard timing is 5 to 7 days, and a clean bridge file can close in as fast as 3 days. Competitive Ada and Canyon county deals are won on certainty, so we give you real terms up front rather than a conditional pre-approval letter. Send the address, the price and the plan. Underwriting looks at the property, then at how you intend to exit.
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Yes, construction loans fund ground-up residential and small subdivision work, which is a common play on the western edge of the Treasure Valley. We fund in draws against the build schedule and can bridge the land purchase first. Bring your budget, the plan set and your permitting status. We underwrite the project, so the build numbers matter more than your credit file.
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Yes, Idaho Falls and Pocatello get the same programs as Boise, with no surcharge for sitting outside a large metro. Older frame houses, small apartment buildings and downtown commercial property all work as collateral. Since we hold our own capital, we can look at a deal that a national lender's rigid box would reject on location alone and price it on merit.
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The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND SAN DIEGO HQ · IDAHO
IDAHO, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
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