HARD MONEY LENDER LOUISIANA

Louisiana is inside our lending footprint, parish to parish, covering New Orleans, Baton Rouge, Shreveport, Lafayette and Lake Charles. We fund business-purpose loans on non-owner-occupied real estate as a direct lender using in-house capital. That keeps the timeline at five to seven days and the paperwork short. Purchases, refinances, rehabs and ground-up construction are all on the table for an investor here.

Furnished rentals held as investments are financeable under our rental property DSCR and bridge programs, in Orleans Parish and elsewhere. We underwrite the real estate and the income it produces, not your personal file, and permitting or zoning remains your side of the table. A Bywater or Marigny double that needs work can start on fix and flip money and refinance once it is producing.

Caddo Parish is covered the same as the Gulf markets, so Shreveport deals get the same terms and the same speed as New Orleans ones. Historic Highland houses and older commercial buildings there suit bridge and fix and flip financing well, since both are underwritten on the property. Distance from a coastline changes nothing about how we price or how quickly we can fund your purchase.

Small multifamily in East Baton Rouge Parish is a strong fit for the rental property DSCR program, which qualifies the deal on rent rather than on tax returns. Student-adjacent fourplexes and older converted houses both work. If the building needs renovation first, a bridge loan gets you in, the rehab budget funds the work, and the permanent loan takes over once occupancy stabilizes.

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.

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.

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.

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.