Hard Money Lenders in Alabama
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 Lenders Alabama – Fast Funding for Real Estate Investors
Hard Money Man is a trusted hard money lender in Alabama, providing fast, asset-based loans for real estate investors. We specialize in fix and flip loans, rental property financing, construction loans, and DSCR loans throughout Alabama.
Close in as little as 7–14 days. Call 516-526-8445.
Alabama Hard Money Loans for Real Estate Investors
Alabama’s real estate market is booming—from Huntsville’s explosive tech growth to Birmingham’s revitalization and Mobile’s strong rental demand. Investors need fast, flexible funding to compete in a market where good deals move quickly.
HardMoneyMan.com LLC has funded thousands of deals across Alabama, with deep experience in Birmingham, Huntsville, Mobile, Montgomery, and Tuscaloosa.
We lend on Alabama fix and flips, BRRRR rentals, small multifamily, mixed-use, and more—using common-sense underwriting and real-world experience from 25+ years in business.
We Lend in:
Birmingham, Montgomery, Mobile, Huntsville, Tuscaloosa, Hoover, Dothan, Decatur, Auburn, Madison and most other cities in Alabama
Who Our Alabama Hard Money Loans Are For
- Fix and Flip Investors: Fund purchase and rehab on distressed properties in Birmingham, Huntsville, Montgomery, and Mobile.
- BRRRR Investors: Buy, rehab, rent, and refinance into long-term DSCR loans after stabilization.
- Spec Builders: Finance new construction projects in Huntsville, Auburn, and fast-growing suburbs.
- Small Multifamily Buyers: Finance 2–4 unit properties in high-demand rental areas across Alabama.
- Mixed-Use & Light Commercial: Fund small mixed-use buildings and investor-focused commercial properties.
Alabama Hard Money Loan Highlights
- Loan Types: Fix and flip, bridge, rental, and cash-out refinance
- Property Types: Single-family, 2–4 units, condos, townhomes, some mixed-use
- Leverage: High LTV based on purchase price, rehab, or ARV
- Credit: Flexible—focus on the deal, equity, and exit strategy
- Closing Timeline: As fast as 7–14 days in Alabama
- Documentation: Asset-based underwriting—no tax returns or bank-style income verification
Alabama Hard Money vs 30-Year Rental Loans
| Program | Use Case | Property Type | Term | Max Loan | Timeline |
|---|---|---|---|---|---|
| Alabama Hard Money Loans | Fix and flip, bridge, short-term acquisitions | 1–4 unit, some mixed-use | 12 months | Deal-dependent | 7–10 days |
| 30-Year Rental / DSCR Loans | Long-term holds and BRRRR exits | 1–4 unit rentals, some short-term rentals | 30 years | Up to $1M+ | Typically 2 weeks |
Recently Funded Deals in Alabama
- Birmingham – Fix & Flip: Funded purchase + rehab for a distressed single-family home. Closed in 10 days. Investor exited with a profitable flip.
- Huntsville – Spec Build: New construction loan for a 3-bedroom build in a fast-growing tech corridor. Completed and sold above asking.
- Mobile – BRRRR Duplex: Hard money covered acquisition and renovation. Rented and refinanced into a 30-year DSCR loan.
- Montgomery – Rental Portfolio: Investor acquired 3 rental properties using hard money, then refinanced into long-term loans.
Alabama Counties We Lend In
We provide hard money loans across all 67 Alabama counties, including:
- Jefferson, Madison, Mobile, Montgomery, Tuscaloosa
- Baldwin, Shelby, Lee, Morgan, Limestone
- Etowah, Calhoun, Houston, Lauderdale, St. Clair
- Elmore, Talladega, Marshall, Russell, Cullman
- And all remaining Alabama counties
Alabama Cities We Commonly Fund
- Birmingham, Huntsville, Mobile, Montgomery, Tuscaloosa
- Hoover, Dothan, Auburn, Decatur, Madison
- Florence, Gadsden, Phenix City, Prattville, Alabaster
- Opelika, Enterprise, Vestavia Hills, Trussville, Pelham
Why Alabama Investors Trust HardMoneyMan.com LLC
- Since 1998: Decades of experience funding Alabama investment properties.
- 25,000+ Deals Closed: Proven track record across all 67 Alabama counties.
- Fast, Common-Sense Underwriting: We focus on the deal—not tax returns or bank-style paperwork.
- Local Market Knowledge: Deep experience in Birmingham, Huntsville, Mobile, and Montgomery.
- Investor-Focused: We work with full-time and part-time investors, flippers, and landlords.
Alabama Real Estate Market Highlights
Median Sale Price
$281,400
Feb 2025
Median Days on Market
73
Feb 2025
Monthly Homes Sold
3,938
Feb 2025
Homes Sold Above List
15.9%
Feb 2025
Avg Fix & Flip ROI
46.8%
Q3 2024
Avg Fix & Flip Profit
$57,025
Q3 2024
Investment Loan Programs in Alabama
Alabama Fix & Flip Loans
Fast-closing loans for investors flipping single-family or 1–4 unit properties in Alabama. Close in as little as 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Alabama Spec Home Construction Loans
Finance the construction of speculative homes with flexible terms. Designed for investors building homes for resale or long-term rental in Alabama.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Alabama 30-Year DSCR Rental Loans
Long-term rental property loans qualifying based on property cash flow, perfect for buy-and-hold investors in Alabama.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Alabama 5+ Unit Multifamily Loans
Financing options for investors acquiring or refinancing 5+ unit residential apartment buildings in Alabama with competitive terms.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Alabama Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without heavy income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Alabama Commercial Hard Money Loans
Financing for commercial real estate investors across Alabama, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
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!
Frequently Asked Questions About Hard Money Loans in Alabama
How fast can a hard money loan close in Alabama?
Most hard money loans in Alabama close within 7 to 10 days. Closings may move even faster in metro areas like Birmingham, Huntsville, and Mobile when title and appraisal turnarounds are quick.
Do I need good credit to qualify for a hard money loan in Alabama?
No. Alabama hard money loans are primarily approved based on the property value, deal structure, and exit strategy—not personal income or credit score. Investors with past credit issues can still qualify.
How much can I borrow on an Alabama investment property?
Loan amounts in Alabama typically go up to 90% of the purchase price and up to 100% of rehab costs, depending on the after-repair value (ARV) and the strength of the deal.
Are rehab and construction costs included in Alabama hard money loans?
Yes. Many Alabama hard money loans include rehab or construction funding, with draws released as work is completed. Same-day or next-day draw funding is available on approved projects.
Which cities in Alabama do you lend in?
We lend throughout Alabama, including Birmingham, Huntsville, Montgomery, Mobile, Tuscaloosa, Auburn, Hoover, and surrounding markets.