© WHERE WE LEND SAN DIEGO HQ · ALABAMA
HARD MONEY LENDER ALABAMA
Loan Goat funds investor deals in Birmingham, Huntsville and Mobile, and every Alabama market in between.
CALL OR TEXT US (619) 617-2797
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- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Alabama, from Birmingham and Huntsville down to Montgomery, Mobile and Tuscaloosa. You are an investor with a property under contract and a closing date that will not move. We fund business-purpose deals on non-owner-occupied real estate: the flip, the rental, the small commercial building, the ground-up build. Bring the address and the exit. We underwrite the property, not your tax returns.
Alabama rewards investors who know its halves. The Tennessee Valley around Huntsville runs on aerospace and defense engineering, and rental demand follows the contracts. Birmingham is the state's deep value play, block by block, with pre-war brick and craftsman stock in neighborhoods that turned around one renovation at a time. The Gulf Coast around Mobile trades on water, weather and tourism. Montgomery and Tuscaloosa hold steady on government payroll and campus demand.
We lend in Alabama and we are based in San Diego. That is the whole arrangement, and it works in your favor. Loan Goat is a direct lender using in-house capital, so the person who says yes is the person who signs the wire. There is no branch manager in Mobile to convince and no loan committee meeting to wait on. Term sheets move in hours and closings land in five to seven days.
Investors here buy the stock the state actually built. Birmingham's Southside, Avondale and Woodlawn hold brick bungalows and early apartment buildings that reward a real renovation budget. Huntsville draws build-to-rent and new suburban product for Redstone Arsenal and Cummings Research Park engineers. Tuscaloosa is a student housing market shaped by the University of Alabama. Mobile trades historic frame houses in the Oakleigh Garden District and coastal rentals toward the bay, while Montgomery moves steady workforce rentals.
© ALABAMA LOCATIONS SAN DIEGO HQ · ALABAMA
EXPLORE OUR ALABAMA LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Birmingham Jefferson County, out to Tuscaloosa, Huntsville, Montgomery.
- Montgomery Montgomery County, out to Birmingham, Tuscaloosa, Columbus.
- Mobile Mobile County, out to Biloxi, Gulfport, Hattiesburg.
- Huntsville Madison County, out to Birmingham, Tuscaloosa, Chattanooga.
- Tuscaloosa Tuscaloosa County, out to Birmingham, Montgomery, Huntsville.
© THE COST SAN DIEGO HQ · ALABAMA
WHAT DO ALABAMA HARD MONEY LOANS COST
Pricing an Alabama deal works the same way it works anywhere else on this book. Bridge money runs from 9.00% to 13.00% and moves with leverage, property type and exit. Leverage runs to 75% on residential bridge and 70% on commercial, and business purpose loans reach $25,000,000.
The written quote comes first and it holds. For an Alabama borrower on a contract clock, that is the difference between a real number and a maybe.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · ALABAMA
WHY LOAN GOAT IN ALABAMA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A bank wants years of tax returns, a salary story and a committee's blessing. A seller in Jefferson County wants proof of funds and a short escrow. Our bridge loans start at 9.00% with up to 75% LTV, close in five to seven days, and carry no prepayment penalty, so you can refinance or sell the moment the work is finished and keep the profit that speed earned you.
The programs cover the whole Alabama playbook. Fix and flip money for a Birmingham renovation, construction loans for a Huntsville infill build, rental property DSCR financing when you hold the Montgomery duplex instead of selling it, commercial and blanket loans when the portfolio outgrows one address. Second and third mortgages pull equity out of what you already own. Minimal documentation throughout, because the asset carries the file.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
ALABAMA, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Alabama files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN ALABAMA
Nine programs run in Alabama. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · ALABAMA
HOW WE LEND IN ALABAMA
The programs cover the whole Alabama playbook. Fix and flip money for a Birmingham renovation, construction loans for a Huntsville infill build, rental property DSCR financing when you hold the Montgomery duplex instead of selling it, commercial and blanket loans when the portfolio outgrows one address. Second and third mortgages pull equity out of what you already own. Minimal documentation throughout, because the asset carries the file.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
ALABAMA BORROWERS, IN THEIR WORDS
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Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN
© QUESTIONS SAN DIEGO HQ · ALABAMA
ALABAMA HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, Loan Goat funds investor real estate across Alabama, including Birmingham, Huntsville, Montgomery, Mobile and Tuscaloosa. We are a direct private lender headquartered in San Diego with in-house capital, and we have funded more than $1.5B across 46 states since 2022. Business-purpose and non-owner-occupied deals are the core: flips, rentals, bridge, construction and commercial. Call (619) 617-2797 and we will price the deal on the phone.
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Five to seven days is standard, and as fast as three days on a clean file. Jefferson County auction and estate purchases move quickly, so speed is the product. We underwrite the property rather than the borrower, which keeps the file short. Send the address, the purchase price, your rehab budget and the exit, and you will have a term sheet the same day.
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Student housing in Tuscaloosa is a rental property play, and our DSCR program is built for it, so the lease and the building carry the underwriting rather than your personal income. Bridge financing works when you need to buy and stabilize a tired house near campus before the fall cycle, then refinance. Blanket loans cover it once you own several doors around Tuscaloosa County.
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Construction loans are one of our nine programs, and Madison County build-to-rent and infill projects fit them well. Draw schedules follow the work, not a calendar set by a branch. Because we are the capital source, a change in scope gets answered by one decision maker instead of a committee. Bridge financing can also cover the lot purchase while plans and permits come together.
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Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND SAN DIEGO HQ · ALABAMA
ALABAMA, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · ALABAMA
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