Edmond Hard Money and Investor Loans

Yes, across all eight communities we serve here. We fund deals in Edmond, Deer Creek, Coffee Creek, Arcadia, Luther, Jones, Guthrie, and Piedmont, spanning Oklahoma, Logan, and Canadian counties. USA Mortgage is headquartered in Bee Cave, Texas, and funds deals in most states with our own capital. Every loan is business-purpose only, on investment property, and terms are subject to underwriting. See how we lend across Oklahoma or talk to us.

Confirm with the city before you underwrite one, because the published rules don't say either way. Edmond is its own municipality, separate from Oklahoma City, so Oklahoma City's home-sharing ordinance and its rented-night cap don't reach an Edmond property. Edmond's own zoning pages make no mention of short-term rentals, bed and breakfasts, or home occupation, and the city's housing-terms page says it does not cover rental licensing. Call Edmond Planning at (405) 359-4790 and confirm before you buy for that use. See the fix and flip program. Subject to underwriting.

Edmond charges zero city mills; Oklahoma City doesn't. The Oklahoma County Assessor's certified 2025 rate table shows a 0.00 City of Edmond levy on every Edmond tax code, while Oklahoma City carries 15.16 mills of city sinking fund. Edmond funds its government from sales tax and from its own municipally-owned utilities instead. Inside the Edmond market, the effective rate changes at the school district line, not the city limit: an Edmond School District 12 parcel runs about 1.157% of fair cash value, a Deer Creek School District 6 parcel about 1.258%, so verify a parcel's tax code on the assessor's account before underwriting it. Talk to your CPA or tax advisor about your own position. See the DSCR program. Subject to underwriting.

Not on yield alone: Edmond is a hold-and-appreciate market, not a cash-flow market. Zillow's mid-tier home value put Edmond at $358,694 in July 2026 against Oklahoma City's $207,726, about 72.7% higher, while Edmond's typical rent ran only 31.5% above Oklahoma City's. Run the arithmetic and Edmond's gross yield works out to roughly 5.67%, against roughly 7.45% in Oklahoma City. The trade here is basis in a strong school attendance area and appreciation, not a fat coverage ratio. As of mid-2026. Talk to your CPA about your own numbers. See the DSCR program. Subject to underwriting.

Because Edmond publishes its build costs where Oklahoma City doesn't. Edmond's Building and Safety fee schedule prices a single-family lot's water meter, water and sewer capacity fees, and electric service connection as flat, printed dollar amounts, so a builder can underwrite the per-lot carry before buying the dirt. Oklahoma City instead runs an area-dependent impact-fee calculator with no published table. National and regional builders, including Lennar, Taber Built Homes, and McCaleb Homes, were active across named Edmond subdivisions as of the city's January 2026 permit register. See the ground-up construction program. Subject to underwriting.