#1 Alabama Hard Money Lender | Fast Fix & Flip, Rental & Construction Loans
The Leading Hard Money Lenders making Investment Property loans in Alabama since 1998.
Fix and Flip, Rental and Construction Hard Money Loans
Submitting your application package to the leading Hard Money Lenders Alabama is quick and easy.
Hard Money Lender in Alabama: Fast, Flexible Funding for Real Estate Investors
Alabama’s Real Estate Market Is Booming—Are You Ready to Capitalize?
From Birmingham’s revitalized downtown to Huntsville’s tech-driven growth, Alabama is emerging as a prime destination for real estate investment. Whether you’re flipping homes in Mobile, building spec properties in Montgomery, or expanding rental portfolios in Tuscaloosa, one thing is clear: speed and flexibility in funding are critical.
That’s where we come in.
HardMoneyMan.com LLC has been the go-to hard money lender in Alabama since 1998.
We specialize in fast closing hard money loans.
We Lend in:
Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, Hoover, Dothan, Decatur, Auburn, Madison and most other cities in Alabama
- House flippers
- New home builders
- Landlords and rental investors
- Multifamily and commercial property buyers
You find the deal we fund the deal!
With over 26,000 deals funded nationwide and $3.5B in real estate financing, we know what it takes to help investors scale.
Why Alabama Investors Choose HardMoneyMan.com LLC
- Direct Lending—No Middlemen
- Fast Closings—7 to 14 Days
- Same-Day Rehab Draws via Snap App
- No Income Verification Required
- Expert Support from Real Estate Investors Who Lend
We don’t just fund deals—we understand them. Our team includes active investors who’ve flipped, built, and rented properties themselves. That means we evaluate your project with a profit-focused lens and structure loans that work for your bottom line.
Our Loan Programs in Alabama
Fix & Flip Loans
- Up to 90% of purchase price
- 100% of rehab costs
- Interest-only payments
- Fast closings in 7–10 days
Perfect for investors looking to renovate and resell quickly. We fund first-time flippers and seasoned pros alike.
Spec Construction Loans
- Ground-up builder financing
- Lot equity accepted
- Same day draws
- No income docs required
Ideal for builders developing new homes in high-demand areas like Huntsville or Auburn.
DSCR Rental Loans
- 30-year fixed rates
- No income verification
- Designed for BRRRR strategy
- Refinance short-term loans into long-term rentals
Great for landlords building passive income portfolios across Alabama.
Multifamily Bridge Loans
- 5+ unit properties
- stabilized only
- Competitive rates
- Fast underwriting
Whether you’re repositioning a small apartment building or expanding your holdings, we’ve got you covered.
How Our Process Works
- Submit Your Deal Scenario Include purchase price, rehab budget, and ARV.
- Get a Fast Quote Transparent terms delivered within 24 hours.
- Finalize Appraisal & Underwriting We focus on property value—not your credit score.
- Close in 7–14 Days Same-day rehab draws available via our Snap App.
Alabama Fix and Flip Loans
Alabama Ground up construction loans
30 Year DSCR Rental Loans in Alabama
Alabama 5+ unit apartment building lender
Case Studies for Previously Funded Deals for some of our Alabama Real Estate Investors
Alabama Fix and Flip Loan Funded
Fix and Flip Loan in Alabama – Funded!
30 Year DSCR Rental Loan in Alabama Funded!
Fix and Flip Loan in Mobile Alabama – Funded!
Benefits of Using a Hard Money Lender in Alabama | Fast, Flexible Real Estate Financing
Looking for fast funding in Alabama? Working with a hard money lender in Alabama offers real estate investors speed, flexibility, and deal-focused approvals without the red tape of traditional banks. Whether you’re flipping houses, building spec homes, or investing in rental properties, this guide breaks down the key advantages of hard money lending—and how to qualify and get funded quickly.
Top Benefits of Alabama Hard Money Loans
No Income Verification – Loans based on property value, not your personal finances
Fast Closings – Approvals in days, funding in as little as 1–2 weeks
Flexible Terms – Interest-only payments and rehab-friendly structures
Investor-Focused – Designed for fix and flip projects, BRRRR strategy, and rental portfolios
What Lenders Evaluate
| Requirement | Details |
|---|---|
| Property Value | Loan based on market value & rehab potential |
| Collateral | High LTV available on qualified Alabama properties |
| Experience | Prior deals help, but not required for every loan |
| Exit Strategy | Sell, refinance, or rent-backed repayment plans |
| Reserves | Some cushion helps manage rehab or rental fluctuations |
How to Apply for Hard Money Loans in Alabama
Submit your deal details (property, price, repairs, strategy)
Get a custom loan quote based on ARV and project scope
Complete appraisal, underwriting, and close in days
Receive same-day rehab draws using the Snap App
Why Choose HardMoneyMan.com LLC
Trusted since 1998, we’ve funded over 26,000 investor loans nationwide and specialize in real estate deals throughout Alabama, including Birmingham, Huntsville, Mobile, Montgomery, and surrounding areas.
Get flexible financing for fix & flips, new construction, and long-term rentals—all with fast approvals and no unnecessary paperwork.
Apply Today or call (866) 461-2695 to talk to a direct Alabama hard money expert.
Who We Serve Across Alabama
We lend in every major market—and plenty of smaller ones too:
- Birmingham
- Mobile
- Huntsville
- Montgomery
- Tuscaloosa
- Hoover
- Dothan
- Auburn
- Madison
- Decatur
Whether you’re in a booming metro or a quiet suburb, we’re ready to fund your next deal.
What Sets Us Apart
- Experience: 25+ years in hard money lending
- Investor-Focused: We’ve flipped, built, and rented ourselves
- Direct Access: Speak with a decision-maker—not a call center
- Creative Structuring: We tailor loans to your strategy
- Fast Funding: Close in days, not weeks
Case Studies: Alabama Deals We’ve Funded
Birmingham Fix & Flip
- Purchase: $120K
- Rehab: $45K
- ARV: $225K
- Funded: 90% purchase, 100% rehab
- Timeline: Closed in 8 days
Mobile Spec Build
- Lot equity used as down payment
- Ground-up construction loan
- Same-day draws
- Sold for $340K
Montgomery DSCR Rental
- Refinance of short-term loan
- 30-year fixed DSCR loan
- No income docs
- Cash-flowing duplex
- Closed in 15 days
Tips to Maximize Your ROI with Hard Money
- Choose properties in high-demand areas
- Present a strong exit strategy (flip, refinance, hold)
- Keep your numbers tight and realistic
- Have reserves for unexpected costs
- Work with reliable contractors
Alabama Real Estate Market Report | Investment Insights & Fast Funding
Looking to invest in Alabama real estate? From Birmingham to Mobile, and Tuscaloosa to the Gulf Coast, Alabama offers strong potential for both fix and flip projects and long-term rental investments.
At HardMoneyMan.com LLC we’re not just the #1 hard money lender in Alabama—we’re your strategic funding partner. We help investor’s structure deals, close quickly, and scale confidently with loan programs built for speed and flexibility.
Alabama Real Estate Investing: Market Highlights
Median Home Price: $317,700
Price Per Square Foot: ~$116
Hot Investment Markets: Birmingham, Hoover, Center Point, Mobile, Roebuck, Huffman
Sales Velocity: Average time on market is 3.5 months
Market Trends:
Median sales up 12% since 2021
Median home value up 9.2%
Transaction volume surged 24% from 2021 to 2022
Why Use HardMoneyMan.com LLC in Alabama?
Trusted since 1998 with 26,000+ deals funded nationwide
Fast closings in 7–14 days
Up to 90% purchase and 100% rehab financing
Expert support through every step—from appraisal to draws to loan payoff
Specialized programs for fix & flip, spec home builds, and DSCR rental loans
Get Funding & Start Your Alabama Investment Today
Don’t wait on traditional lenders. Get the capital you need to seize opportunities fast in Alabama’s thriving real estate market.
Call (866) 461-2695 or Apply Here
What are the typical loan programs you offer as hard money lenders in Alabama?
Property buyers in Alabama have a lot to choose from when it comes to purchasing an investment property. Its low cost of living makes it an appealing option for those looking to break into the real estate industry. As a result of the diverse landscape and natural scenery of Alabama – from sandy beaches to stunning mountain views – Alabama has limitless potential. A wide variety of residential and commercial properties are available, as well as opportunities to invest in land. It doesn’t matter whether you’re looking for a home in a vibrant city or something more rural, Alabama has something for every kind of buyer. Investing in real estate in Alabama is easy thanks to its friendly atmosphere and affordable prices.
How do I know who the hard money lenders in Alabama are?
Hardmoneyman.com is one of the leading Hard Money lenders in Alabama, making Investment Property loans throughout the state. Over 3,500 hard money investment property loans have been closed in Alabama since 1998, including fix and flip loans and rental loans. We are one of the oldest hard money lenders in the country. Due to our ability to close quickly, we are the go-to residential hard money lenders in Alabama.
Before putting together a loan proposal for a borrower, we make sure to understand the borrower’s objectives and understand all real estate markets that we lend in. Looking for a hard money loan for your next investment property? We can help!
What types of properties qualify for hard money loans from Hardmoneyman.com in Alabama?
Our niche is 1-4 unit residential properties that you are either going to fix and flip or hold as a 30 year rental, or ones that you are building (ground up construction). We will look at 5+ unit apartment buildings that are in need of rehab or are stabilized.
When real estate investors are in need of fix and flip loans in Alabama, rental property as well as rental portfolio loans, 5+ unit multifamily bridge and 30-year loans, and ground-up construction loans, it turns out the #1 choice for Hard Money Lenders Alabama is HardMoneyman.com LLC.
How do I choose the right hard money lenders in Alabama for my investment property?
This is where we separate ourselves from other lenders, we under promise and overdeliver time after time! You speak with a decision-maker on all phone calls and by email (you can even text us too!) not some account executive that is just reading off their product matrix and hoping to fit your loan in their box.
How do you find a hard money lender in Alabama?
From Birmingham to Montgomery, Hardmoneyman.com LLC has helped real estate investors from new to experienced achieve their investment goals. Regardless of your location in Alabama, Hardmoneyman.com LLC is there to help you achieve your funding needs.
Our quick and efficient process from intake to underwriting to closing, and then draws done in-house with our construction team, make us the market-leading hard money lenders Alabama.
Contact us today and discover why we are the premier hard money lenders for Alabama real estate investors.
Don’t make the BIG mistake of trusting just any hard money lenders in Alabama for your deals.
Hardmoneyman.com LLC is #1 in the industry for hard money loans in Alabama for a reason.
We close! It’s that simple.
Alabama has some of the hottest real estate investing markets like Birmingham, Mobile, · Huntsville, Montgomery, and Tuscaloosa. HardMoneyman.com LLC has closed loans for rehabs, ground-up construction as well as rentals in all of them!
If you’re wondering about the best markets to do fix and flip loans in Alabama, click here for a great resource to real estate investing in Alabama in 2022, you should check out this blog.
If you’re a local real estate investor in Alabama and you’re looking for a place to get info, education, find a mentor or even meet possible partners in your next deal, you should try out the Alabama Real Estate Investors Association.
Alabama Fix and Flip Loans
Fix and flip projects are made up of two main components, the quick turn around as well as fast closing hard money loans. This is why so many real estate investors in Alabama who are looking for fix and flip hard money lenders in Alabama turn to us. We have funded thousands of projects in Alabama and yours could be next. For experienced flippers we lend 90% of the purchase and 100% of the repair costs. We will fund first time investors as well!
Frequently Asked Questions — Hard Money Loans in Alabama
Frequently Asked Questions — Hard Money Loans in Alabama
The Leading Hard Money Lenders for Real Estate Investing in Alabama
We're in the Business
We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit.
We're a Direct Lender
We loan the money. We don’t find the money from someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.
We're Fast and Efficient
We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We are the most efficient hard money lender in Alabama.
We're Investor Focused
We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return.