Licensed & LendingHard Money & DSCR Loans in New Mexico
Capital Kings funds New Mexico investor loans. Hard money, DSCR, and bridge across Albuquerque, Santa Fe, and Las Cruces. NM is a smaller-volume but stable investor market with strong STR opportunity in Santa Fe and Taos.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds New Mexico Deals
Santa Fe STR demand stays strong year-round and our DSCR lenders price these deals on projected income, often with the appraiser using STR-rent comps. Albuquerque flips and rentals get priced like a standard secondary metro. Straightforward.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for New Mexico 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 New Mexico 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. New Mexico growth corridors specifically.
Active Markets
Cities We Fund Across New Mexico
Active lending across New Mexico'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 New Mexico Investors
Santa Fe / Taos STR DSCR loans
Available statewide for New Mexico investors.
Albuquerque fix-and-flip in 7-10 days
Available statewide for New Mexico investors.
Bridge for value-add multifamily
Available statewide for New Mexico investors.
Common Questions
New Mexico Lending FAQ
Do you lend hard money loans in New Mexico?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across New Mexico through our 270+ lender network. We close New Mexico deals in as little as 7 days.
What cities in New Mexico does Capital Kings lend in?
We fund investor loans statewide in New Mexico, with active deal flow in Albuquerque, Santa Fe, Las Cruces, Rio Rancho, Roswell and the surrounding metros.
Do you offer DSCR rental loans in New Mexico?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across New Mexico on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a New Mexico hard money loan close?
Most New Mexico 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 New Mexico fix-and-flip loan?
As little as 0% down on the right deal. Most New Mexico hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in New Mexico 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
New Mexico Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every New Mexico deal we close.
Adjacent Markets
Also Lending In
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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 New Mexico 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 New Mexico are originated by partner lenders licensed to lend in New Mexico. 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.