Idaho’s Trusted Hard Money Lender for Real Estate Investors

Real estate opportunities don’t wait for slow approvals. Investors need capital that keeps pace. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Idaho, including Boise, Meridian, Nampa, Eagle, and Caldwell. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving Idaho and nearby markets like Meridian, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Direct-lender execution reduces closing friction when timelines are tight and sellers expect certainty. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Idaho—from Nampa to Caldwell—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Idaho for BRRRR-aligned rehabs and resale projects where ARV drives leverage across markets like Boise, Meridian, and Nampa. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

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New Construction Loans

New Construction Loans

Our private construction loans in Idaho support ground-up residential construction and targeted redevelopment in areas such as Meridian and Eagle. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

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Bridge Loans

Bridge Loans

When timing matters, our Idaho bridge loans provide interim financing for time-sensitive closings, refinance gaps, and transitional ownership periods in markets like Boise and Caldwell. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in Idaho are designed for investors focused on long-term rentals, mid-term/furnished strategies, and portfolio growth across Nampa, Eagle, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding combines institutional capital strength with entrepreneurial responsiveness. Serving investors across Idaho and nearby markets like Boise and Meridian. We make fast decisions, communicate clearly, and keep closings predictable because we deploy our own capital.

  2. More Ways to Say “Yes” to Your Deal.
    Where banks default to “no,” Unitas asks better questions and structures practical solutions. In Idaho, that flexibility helps investors move in submarkets such as Nampa and Eagle. Our underwriting team understands construction realities and focuses on feasibility, leverage, and the path to repayment.

  3. Certainty from a Direct Lender.
    Unitas funds with its own capital, not third-party syndication that can change at the last minute. That matters when you’re executing deals across Boise, Meridian, Nampa, Eagle, and Caldwell. You avoid last-minute funding failures and unexpected term changes caused by third-party capital constraints.

  4. Faster Funding, Faster Draws.
    Fast funding and fast draws keep schedules intact—especially on rehab-heavy projects. Investors across Idaho—including Meridian and Caldwell—benefit from a process built for momentum. Our draw process uses third-party inspections and budget tracking to release funds efficiently while maintaining oversight.

  5. Ready to Fund Your Next Idaho Real Estate Investment?
    Idaho doesn’t slow down—and neither should your capital. Whether you’re renovating in Boise, building in Eagle, or scaling rentals across Nampa and Caldwell, Unitas Funding delivers the leverage and certainty needed to close on schedule.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Idaho. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Idaho?

Investors scaling portfolios across Idaho—including investors active in Boise and Meridian—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a Idaho real estate investment loan?

At minimum, share the property address, purchase contract, budget/scope, and exit plan. For properties in Idaho and nearby markets like Nampa, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in Idaho?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In Idaho, collateral strength, leverage, and a feasible execution plan—especially for projects in Eagle—often matter more than a single score threshold.

Do you lend to first-time real estate investors in Idaho?

Yes. First-time investors in Idaho can qualify with conservative leverage and a credible plan, particularly when working in markets like Boise. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in Idaho?

Many programs emphasize the property rather than pay stubs. DSCR loans in Idaho rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Meridian and Nampa.

How long does the hard money approval process take in Idaho?

Initial feedback and term sheets can often be issued quickly once deal details are submitted. Final approval depends on valuation and title, with many Idaho closings completed in roughly 10 days—even for time-sensitive opportunities in Caldwell.

Why choose Unitas Funding over other hard money lenders in Idaho?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in Idaho when you’re coordinating closings and contractors across areas like Nampa and Eagle.

How is a hard money lender different from a bank in Idaho?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout Idaho and nearby markets such as Boise.

Do you provide funding across Idaho?

Yes. Funding is available throughout Idaho, including Boise, Meridian, Nampa, Eagle, and Caldwell, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a Idaho hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across Idaho and markets like Meridian.

Ready to Fund Your Next Idaho Real Estate Investment?

Idaho's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Idaho real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!