Hard Money Investors in Alabama

Reliable, fast funding for single family homes in Alabama

Lowest Cash-to-Close

As the premier hard money lender in Alabama since 2005, we’re your go-to option for getting funds for your next deal. We pride ourselves on working together to find loans that fit your needs, get the cash to you fast, and then help you through the rehab and sale of your finished project.

No Credit or Experience

As a hard money lender, we’re less concerned about traditional loan qualifications such as credit score and debt-to-income ratio. If you bring us a good deal with profit potential, we’ll do everything in our power to make that deal work for you—even if you’re brand new and don’t have $30k to spend.

We’re On Your Side

We firmly believe you deserve to experience financial security. Our goal is that you’ll find that to be true with every interaction you have with us.

Hard Money Loans in Alabama

Hard Money Loans in Alabama

10 Most Popular Cities to Fix-and-Flip in Alabama

  • Birmingham
  • Huntsville
  • Montgomery
  • Mobile
  • Irondale
  • La Fayette
  • Enterprise
  • Adamsville
  • Center Point
  • McCalla

Motivated Sellers in Popular Counties

Ever wondered what potential there is for finding investment deals in Alabama? We’ve compiled the data for you for the two most popular areas to invest in Alabama and provided heatmaps showing the estimated total property value, estimated value per square foot, and the 1-year price growth… these provide excellent insights into where to invest in the area.

All property counts below are single-family residential (SFR) that have been owned for at least 1 year with at least 30% equity and an estimated value of less than $500K as of 25 Aug 2021.

Jefferson County (Birmingham Area)

Vacant

$5K+ Liens

Bankruptcy

Out of State Owners

Non-Owner Occupied

Preforclosure

Failed MLS Listings

4,550

1,107

1,681

8,022

21,795

45

2,073

Madison County (Huntsville Area)

Vacant

$5K+ Liens

Bankruptcy

Out of State Owners

Non-Owner Occupied

Preforclosure

Failed MLS Listings

644

583

790

2,166

9,378

8

724

What Makes Do Hard Money Loans Different?

  • No minimum credit score
  • No experience required
  • Up to 100% financing
  • Interest rates beginning at 12%
  • Origination as low as 3.5%
  • Lend up to 85% ARV
  • Loans up to $350k
  • No prepayment penalties
  • No payments for 5 months
  • No minimum credit score
  • No experience required
  • Up to 100% financing
  • Interest rates beginning at 12%
  • Origination as low as 3.5%
  • Lend up to 85% ARV
  • Loans up to $350k
  • No prepayment penalties
  • No payments for 5 months

ABOUT DO HARD MONEY

Our CEO, Ryan G. Wright, began investing in real estate in 2001. Since then, he’s flipped hundreds of deals and been involved in every type of real estate transaction imaginable. With a currently active (and wildly successful) real estate investor leading us, you’re working with a company that understands the real challenges you face in getting funding and completing deals.

Most hard money lenders have a background purely in finance. Not us—we have the experience and resources to teach you to find, market, negotiate, close, get funding, rehab, and sell your deals.

Fewer barriers for new investors

The lending system as a whole is broken. The majority of lenders require decent credit, past successful flips, and $30k+ to make the deal happen. In other words, most people who want to get started find out quickly it’s not going to work for them.

That’s not how we work. We believe financial security should be available to everyone willing to work for it—not just those with money or connections. While we lend to many experienced investors, a large percentage of our borrowers come to us to flip their first deal and then stay for many more.

Deals we’ve funded in Alabama

True 100% financing

For great deals, we’ll lend up to 100% of your purchase, rehab, and loan costs. And if your loan doesn’t quite qualify, we’ll teach you how to find the rest of the money.

Flexible loan programs to match any borrower’s goals

Many lenders have a couple of loan programs to fit their borrowers’ needs. We have 30. Are you looking for the most profit? Lowest cash-to-close? Cheapest loan costs? You tell us your current situation and your goals, and we’ll find a loan program to match.

Industry-best risk mitigation

 

Start with our Advanced Deal Analysis software to help you understand the viability of your deal. Then your deal undergoes a rigorous two-step evaluation process to give you and us maximum confidence. If all looks good, you’ll move ahead with a dedicated loan advisor and a former general contractor to help you manage your loan and the rehab process. We’re here the whole way.

Investor’s Edge

No surprises on loan values

We record a custom video for each deal brought to us. You’ll see exactly the comps we pull and how we arrive at the values for your property. You’ll never wonder what happened with your loan again.

Our borrowers’ average profit on a paid-off loan in 2020 was

$39,714

Now it’s your turn to change your life.

Don’t have a deal yet?

No worries. Our Find-Fund-Flip System is an all-in-one program designed to help you find & close the exact kinds of deals we’re looking to fund.