Hard Money Lenders in Shreveport, LA | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inShreveport, Louisiana

Fix and flip, DSCR rental and new construction financing for Shreveport investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Shreveport deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, October 2026

Price a Shreveport deal right now

Prefilled with a realistic Shreveport deal. Change any number and it reprices on the programs that lend in Louisiana, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Shreveport

Shreveport is an inexpensive place to buy a house, with an old housing stock to go with the low prices. Highland and Fairfield hold 1900s to 1920s Craftsman and Victorian houses, while Broadmoor, Shreve Island and South Highlands are mostly 1930s to 1960s brick cottages and ranches on tree-lined streets. The northwest Louisiana economy leans on health care, the casinos, natural gas from the Haynesville Shale and Barksdale Air Force Base across the river in Bossier City.

In Shreveport the street matters more than the ZIP. Broadmoor and South Highlands hold value, and a renovated ranch there sells to a buyer with a mortgage. A mile north or west, the same floor plan can struggle to appraise because of vacancy and blight nearby. We pull renovated sales street by street before setting a number, and we steer first-time flippers toward the blocks where retail buyers are already paying for finished houses.

What a Shreveport deal looks like on paper

Shreveport example: $130,000 purchase, $50,000 rehab, $250,000 after repair value, 700 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Picture a 1950s brick ranch in Broadmoor on pier and beam with sloping floors, a 1980s kitchen, original tile baths and an HVAC unit well past retirement. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$162,000
Cash to close$32,089
Proof of funds to show$53,681
Where the $32,089 goes
  • Down payment (10% of purchase plus rehab)You$18,000
  • Origination (2.13%)Lender$3,443
  • Lender fees (flat)Lender$2,790
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,136
  • Prepaid interest (15 days)Lender$460
  • Property insuranceInsurer$1,710
  • AppraisalAppraiser$550

Interest while you rehab: $932 a month on the $112,000 funded at closing, $1,349 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $8,092 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Shreveport

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Experienced Investor Rate115% of purchase680+2+ completed flips9.00%0.75%75% of ARV12-24 months7-14 days
First Flip, 10% Down210% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips37.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips45% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips50% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate and origination are the program floor; two completed projects in the last 36 months preferred.
  2. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  5. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Shreveport prices sit right now

Before we price a Shreveport flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Shreveport median sale price at $194K for the three months ending September 2026, down 1.6% on a year earlier, with homes selling in around 55 days. Zillow’s average home value for the city is $145,457, up 4.4%. In 71105, which covers Broadmoor and Shreve Island, Redfin’s median is $225K, up 3.9%, with homes selling in about 47 days.

Median sale price (Redfin)$194K
Days on market (Redfin)55
Typical home value (Zillow)$145,457
71105 median sale (Redfin)$225K

Sources: Redfin, Shreveport housing market, Zillow, Shreveport home values, Redfin, 71105 housing market

How a Shreveport file actually gets priced

With a lower price point, the rehab is a big share of the total, so the scope gets close attention. We want the foundation, roof, HVAC and plumbing priced by a contractor, not guessed, before the after repair value is final. Appraisers in Caddo Parish comp within the neighborhood and rarely give credit for finishes beyond what nearby sales show, so we keep the finish level in line with the street rather than the best house in town.

The ground is the big local issue. Expansive clay soils shift pier and beam and slab foundations, and leveling or a full re-pier is a common line item, so get an engineer or a foundation company out early. Older Highland and Fairfield houses can have lead paint, old cast iron or galvanized pipes and outdated panels. Severe storms and the occasional tornado also make the roof and the insurance quote worth checking before you buy.

Who buys your finished Shreveport deal

Buyers for the finished house include medical staff from the hospital district, Barksdale airmen and civilian staff who often use VA loans, casino and energy workers, and local families moving up from a starter home. VA and FHA appraisals look hard at condition, so peeling paint, missing handrails and a weak roof will come back as repairs. Rents in the stronger neighborhoods often carry a DSCR loan, which gives you a hold option if the sale is slow.

What happens after you apply

Apply once and the whole Shreveport loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Shreveport

Fix and flip

10%down on a first flip
Rates
from 9.00% at 680+ credit with 2+ completed flips
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Louisiana →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Louisiana →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Louisiana →

Where we lend in Shreveport

We broker deals across the whole Shreveport market. The submarkets investors ask us about most are Broadmoor and Shreve Island (71105), South Highlands and Pierremont (71106), Highland and Fairfield (71104), Southern Hills (71118), Cedar Grove and Queensborough (71106 / 71109) and Stoner Hill and Anderson Island (71104 / 71105).

How long does a Shreveport loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Louisiana, and the rate, origination, leverage and cash to close come back side by side. Plan on 7-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.

Shreveport hard money FAQ

Do you lend hard money in Shreveport?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Shreveport scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Louisiana, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Shreveport?
As of October 2026: Experienced Investor Rate (15% down, from 9.00%, 2+ completed flips); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Shreveport hard money loan close?
In Louisiana, once the file is complete, the programs for investors with completed flips close in 7-14 days (10-14 on 5% down with 5+ flips, 21-30 on 7.5% down with 3+ flips) and a first flip on the 10% down program closes in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Shreveport flip?
The worked example on this page is a $130,000 Shreveport purchase with a $50,000 rehab and a $250,000 after repair value at 700 credit, first flip: $18,000 down (10% of purchase plus rehab) and $32,089 total cash to close, with $53,681 of proof of funds to show the lender. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Shreveport?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Shreveport fix and flip loan?
The lowest credit floor among the Shreveport programs is 620, on 100% financing (under 70% of ARV) with 2+ completed flips. A first flip needs 660 or higher. The lowest rate here, 9.00%, needs 680+ credit and 2+ completed flips. Depending on the program, origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Shreveport flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Shreveport flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
How does a closing work in Shreveport?
Louisiana closes through an act of sale, a deed signed by the parties before a notary and two witnesses. Louisiana notaries have more authority than in most states, and many are attorneys or work with title agencies that handle the closing and title insurance. Ask your title company early what it needs from the seller, especially if the property came out of an estate.
Does Barksdale help the Shreveport resale market?
It adds a steady stream of buyers and renters. Airmen and civilian staff rotate in and out, and many buy with VA financing or rent. Barksdale sits in Bossier City, so plenty of them live on that side of the river, but Shreveport neighborhoods with a short commute and good condition get their share. VA buyers need a house that passes a condition-focused appraisal.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Shreveport: Dallas and Baton Rouge. More Louisiana city guides: Lafayette, Lake Charles and New Orleans. Or see everything we fund in Louisiana.

Ready to fund your Shreveport deal?

Submit your scenario in about 5 minutes. We shop it and come back with real terms, not a generic rate sheet.

Start application →Get a pre-approval letter