© WHERE WE LEND BATON ROUGE · LA
HARD MONEY LENDER BATON ROUGE
Hard money for Baton Rouge and East Baton Rouge Parish: written terms first, wire in five to seven days.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Baton Rouge runs on three engines: state government, LSU, and the petrochemical corridor along the Mississippi. That mix keeps demand steady through cycles that hit other Louisiana markets harder. Investors work Mid City and Spanish Town for older housing, the Garden District and Southdowns for resale quality, Tigerland for volume student rental, and the Perkins Road corridor for walkable demand.
From East Baton Rouge Parish out to Lafayette, New Orleans and Lake Charles, Baton Rouge investors get the full program stack: bridge, fix and flip, construction, rental property, commercial, second mortgages and blanket loans on a portfolio.
A Baton Rouge investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside a week.
© THE COST BATON ROUGE · LA
WHAT DO BATON ROUGE HARD MONEY LOANS COST
There is no Baton Rouge rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A Baton Rouge file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| 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.
The ranges above are what is actually available. Send the Baton Rouge address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT BATON ROUGE · LA
WHY LOAN GOAT IN BATON ROUGE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
The reason investors move a Baton Rouge file to a private lender is time. A bank takes thirty to sixty days and asks for two years of returns. This desk takes days rather than weeks and asks for the address, the price and the plan. In a market where the seller has other offers, that is the whole deal.
Mid City and the Garden District hold 1920s and 1930s bungalows and cottages, the middle ring is heavy with post-war brick ranches, and the southern and eastern edges are newer subdivision product built at scale. All of it is financeable, purchase, refinance or cash-out.
Student rental near LSU is the volume play, and plenty of investors run it alongside workforce holds nearer the industrial corridor. Bungalow flips resell well in Mid City, and small multifamily around the Perkins Road corridor stays occupied. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
BATON ROUGE DEALS, FUNDED FROM SAN DIEGO.
East Baton Rouge Parish files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS BATON ROUGE · LA
MOST COMMON BATON ROUGE LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Baton Rouge replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in East Baton Rouge Parish funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a Baton Rouge property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Baton Rouge investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Baton Rouge foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Baton Rouge file here.
- NON-WARRANTABLE CONDOS Condos in Baton Rouge that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Baton Rouge investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Baton Rouge, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a Baton Rouge offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN BATON ROUGE
- 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
© PROPERTY TYPES BATON ROUGE · LA
PROPERTY TYPES WE FINANCE IN BATON ROUGE
- INDUSTRIAL & WAREHOUSE Industrial and last-mile logistics property in East Baton Rouge Parish on bridge terms.
- HOSPITALITY: HOTEL & MOTEL Baton Rouge hospitality assets financed through the renovation and back out again.
- SELF-STORAGE Self-storage acquisition and expansion in East Baton Rouge Parish on bridge and commercial programs.
- AGRICULTURAL Working farmland in East Baton Rouge Parish financed where a bank will not.
- CANNABIS East Baton Rouge Parish cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the Baton Rouge market.
© THE APPROACH BATON ROUGE · LA
HOW WE LEND IN BATON ROUGE
Read the table as a promise rather than a pitch. On a Baton Rouge deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
BATON ROUGE BORROWERS, IN THEIR WORDS
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I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS
© QUESTIONS BATON ROUGE · LA
BATON ROUGE 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 investment property in Baton Rouge and across East Baton Rouge Parish on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Baton Rouge files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Baton Rouge deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across East Baton Rouge Parish. Owner-occupied has its own program. If the Baton Rouge asset produces or will produce value, there is usually a structure for it.
Property types -
The property. Loan Goat underwrites the asset, the rehab scope and the exit on Baton Rouge and East Baton Rouge Parish files, not your employment history or tax returns. That means a solid purchase price and a credible payoff plan matter more than documentation. Bridge, fix and flip, construction, DSCR rental and commercial programs are all open here, with closings usually inside a week.
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The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
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 BATON ROUGE · LA
BATON ROUGE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE BATON ROUGE · LA
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