Capital Kings brokers 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 350+ lender network to match your deal with capital that actually performs at closing.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Alabama
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
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
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Alabama flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Alabama buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Alabama growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Alabama
Active lending across Alabama's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Alabama before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Alabama Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Fast 7-day fix-and-flip closes statewide
DSCR rental loans down to 1.0 DSCR ratio
Ground-up construction in growth corridors
Common Questions
Alabama Lending FAQ
Do you lend hard money loans in Alabama?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Alabama through our 350+ lender network. We close Alabama deals in as little as 7 days.
What cities in Alabama does Capital Kings lend in?
We broker 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 broker 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 an 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 an Alabama fix-and-flip loan?
It depends on the deal. Most Alabama hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Alabama Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Alabama deal we close.
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.
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.
Broker, Not a Lender