Yakima Hard Money and Investor Loans
One county, one assessor, and a tax bill that moves at every city line.
USA Mortgage funds investors across Yakima County. Yakima carries the lowest home values of any Washington metro. Agriculture drives the economy and its hiring swings with harvest. Business-purpose loans only, every structure set in underwriting.
The people who underwrite your deal are the ones who decide.
The lowest entry basis of any metro in the state
Yakima's mid-tier single-family value was $360,346 in July 2026, the lowest of any Washington metro and less than half of Seattle's $774,216, with Union Gap ($262,349) and Toppenish ($280,776) running lower still. Metro single-family rent against that value works out to about a 6.5% gross yield, the best of Washington's major metros.
A tax stack that stays under one percent
Every tax code area in Yakima County runs between 0.54% and 1.00% of assessed value on the 2026 certified rates, with the City of Yakima at 0.871%. Inside the city, which school district a parcel sits in is worth 0.76 per $1,000 on its own, real money on a buy-and-hold portfolio.
A harvest economy that underwrites differently
Agriculture accounts for roughly a quarter of covered jobs in Yakima County, and countywide employment swings by more than 13% between the September peak and the January trough. On irrigated ground, the Yakima basin is the only fully adjudicated watershed in Washington, so the water right that comes with the land is documented rather than assumed.
Loan programs in Yakima
Acquisition through exit, all funded or arranged by one lender.
Yakima lending questions
Funding Yakima deals fast.
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