Licensed & LendingHard Money & DSCR Loans in Alabama
Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans for Alabama real estate investors. From Birmingham flip projects to Huntsville rental portfolios, we shop our 270+ lender network to match your deal with capital that actually performs at closing.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Alabama Deals
Alabama is one of the friendliest investor markets in the Southeast. Entry prices stay attainable, landlord laws favor owners, and rental yields remain strong in growth metros like Huntsville and the Birmingham suburbs. That makes it a sweet spot for both BRRRR strategies and turnkey rental acquisition.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Alabama fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Alabama buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Alabama growth corridors specifically.
Active Markets
Cities We Fund Across Alabama
Active lending across Alabama's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Alabama Investors
Fast 7-day fix-and-flip closes statewide
Available statewide for Alabama investors.
DSCR rental loans down to 1.0 DSCR ratio
Available statewide for Alabama investors.
Ground-up construction in growth corridors
Available statewide for Alabama investors.
Common Questions
Alabama Lending FAQ
Do you lend hard money loans in Alabama?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Alabama through our 270+ lender network. We close Alabama deals in as little as 7 days.
What cities in Alabama does Capital Kings lend in?
We fund investor loans statewide in Alabama, with active deal flow in Birmingham, Huntsville, Mobile, Montgomery, Tuscaloosa and the surrounding metros.
Do you offer DSCR rental loans in Alabama?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Alabama on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Alabama hard money loan close?
Most Alabama fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Alabama fix-and-flip loan?
As little as 0% down on the right deal. Most Alabama hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Alabama can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Alabama Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Alabama deal we close.
Adjacent Markets
Also Lending In
M
Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Alabama deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Alabama are originated by partner lenders licensed to lend in Alabama. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.