© WHERE WE LEND LAKE CHARLES · LA
HARD MONEY LENDER LAKE CHARLES
Lake Charles bridge, flip and DSCR money from a lender that answers the phone and closes on time.
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
Lake Charles sits in southwest Louisiana on I-10 toward Houston, its economy tied to petrochemical plants, the port and the casino trade. Storm damage in recent years reshaped the housing stock and left rebuild work across the city. The Charpentier Historic District holds the architecture investors hunt, while the newer growth spreads south and west toward Sulphur.
Lake Charles sits in Calcasieu Parish, Louisiana, and Loan Goat lends on investment property across the whole of it. The same programs run in Lafayette, Beaumont and Baton Rouge, so an investor working a corridor rather than a single ZIP code keeps one lender, one quote format and one set of terms across every file.
Loan Goat is a direct private lender, not a broker, headquartered in San Diego and funding across 46 states. A Lake Charles borrower deals with the lender itself, not a broker shopping the file, which is the difference between a quote you can act on and a quote that needs a second opinion.
© THE COST LAKE CHARLES · LA
WHAT DO LAKE CHARLES HARD MONEY LOANS COST
Cost on a Lake Charles file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Lake Charles deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| 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.
Those are the published ranges, not a teaser. Where a Lake Charles deal lands inside them depends on the property, the leverage and the exit. The fastest way to a real number is the address, the price and the plan.
© WHY LOAN GOAT LAKE CHARLES · LA
WHY LOAN GOAT IN LAKE CHARLES
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Lake Charles property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Charpentier is full of late Victorian and Queen Anne frame houses with detailed millwork, the surrounding neighborhoods run to post-war ranches, and new construction has filled in where older housing came down. None of that is unusual here; it is the normal book.
Rebuild and repair projects define this market, so fix and flip and construction lending do the heavy lifting. Buy-and-hold works for plant and port workforce housing, and historic restoration in Charpentier pays off for investors who understand old wood-frame construction. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
LAKE CHARLES DEALS, FUNDED FROM SAN DIEGO.
Calcasieu 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 LAKE CHARLES · LA
MOST COMMON LAKE CHARLES LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Lake Charles replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Lake Charles auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Lake Charles real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Calcasieu Parish.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Calcasieu Parish, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Lake Charles investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Calcasieu Parish condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Lake Charles whose write-offs make a bank file impossible.
- VACATION RENTAL Lake Charles vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Lake Charles who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN LAKE CHARLES
- 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 LAKE CHARLES · LA
PROPERTY TYPES WE FINANCE IN LAKE CHARLES
- MIXED-USE Retail-over-residential buildings in Lake Charles commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Calcasieu Parish with a repositioning plan.
- OFFICE Lake Charles office assets being repositioned or bridged to a conventional exit.
- AGRICULTURAL Agricultural land and operations outside Lake Charles underwritten on the asset.
- CANNABIS Cannabis-use property in Lake Charles where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION Calcasieu Parish fuel and automotive sites, purchase and refinance.
© THE APPROACH LAKE CHARLES · LA
HOW WE LEND IN LAKE CHARLES
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Lake Charles borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
LAKE CHARLES BORROWERS, IN THEIR WORDS
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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 -
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 is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
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 -
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 is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA
© QUESTIONS LAKE CHARLES · LA
LAKE CHARLES 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 Lake Charles and across Calcasieu 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 Lake Charles 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 Lake Charles 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 Calcasieu Parish. Owner-occupied has its own program. If the Lake Charles asset produces or will produce value, there is usually a structure for it.
Property types -
Ground-up construction and heavy rehab lending is available in Lake Charles and across Calcasieu Parish on business-purpose property. Loan Goat funds the project on its merits, looking at the finished value and your exit rather than your income file. Draws follow the work, closings generally run five to seven days, and selling early never triggers a prepayment penalty.
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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 -
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 -
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 -
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
© WHERE WE LEND LAKE CHARLES · LA
LAKE CHARLES, 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 LAKE CHARLES · LA
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