PRIVATE MONEY LOANS · Wyoming (WY) Underwriting Matrix

Wyoming Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Wyoming Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). In Wyoming (WY), lenders underwrite to a Non-Judicial (Foreclosure by Advertisement & Sale) statutory framework (60–90 days (+ 3-mo redemption)-day average timeline), a 0.58% average property tax rate (~$167/mo at the $345,000 state median), and $520/$100K hazard insurance (~$150/mo).

Max Leverage / LTC

Up to 80% LTV / 85% LTC

Min FICO: Flexible Credit / Equity-Driven

2026 Rate Band

8.99% – 11.25% Interest-Only

6 to 36 Months Interest-Only

WY Security Instrument

Non-Judicial (Foreclosure by Advertisement & Sale)

60–90 days (+ 3-mo redemption) days avg timeline

WY Avg Tax & Ins

0.58% Tax

$520/$100K Hazard Ins

How Private Money Loans Work in Wyoming (WY)

Private money loans connect real estate investors with non-bank private debt funds, family-office capital, and balance-sheet lenders for time-sensitive acquisitions, partner buyouts, cross-collateralized equity unlocks, and non-conforming investment properties across 1–4 unit and 5+ unit commercial assets.

1. Wyoming Median Benchmark

Median 1–4 unit price of $345,000 (75% LTV = $258,750) with Form 1007 rent of $2,450/mo and multifamily rent of $1,420/door.

2. Escrow & Title Underwriting

Wyoming operates under a Non-Judicial (Foreclosure by Advertisement & Sale) regime (60–90 days (+ 3-mo redemption) days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 12 Business Days)

Close in your Wyoming LLC or Delaware LLC registered in WY with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Wyoming

Wyoming DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Wyoming Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Wyoming Fix & Flip Loans (Up to 90% Purchase + 100% Rehab (75% ARV Cap))Wyoming Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Wyoming Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Wyoming Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Wyoming Commercial Property (Up to 75% LTV)Wyoming Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Wyoming Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))