Where we lend · Alabama
Investment property financingin Birmingham.
Fix & flip, DSCR rental, bridge and construction loans for real estate investors in Birmingham, Alabama. Pre-qualify in minutes with no hard credit pull.
The market
Why investors lookat Birmingham.
Birmingham is one of the most affordable investment markets in the Southeast, with strong cash flow potential on rental properties. The medical sector (UAB) is the largest employer and drives steady housing demand. Investors find deals in the urban core revitalization zones and the expanding suburbs along the I-65 corridor.
Neighborhoods investors target
- Avondale
- Woodlawn
- Ensley
- East Lake
- Norwood
Birmingham at a glance
- Median home price
- $195,000
- Population
- 200,000+
- Programs available
- 4
Programs available
What we lendin Birmingham.
4 loan programs available in Alabama.
Fix & flip
Fix & Flip
- Leverage
- Up to 75%
- Term
- 12 months
- Loan amount
- $50K – $2.5M
DSCR rental
DSCR Rental
- Leverage
- Up to 80%
- Term
- 360 months
- Loan amount
- $75K – $2.0M
Bridge
Bridge
- Leverage
- Up to 80%
- Term
- 12 months
- Loan amount
- $75K – $5.0M
Construction
Ground-Up Construction
- Leverage
- Up to 75%
- Term
- 24 months
- Loan amount
- $200K – $5.0M
Questions, answered
Lending in Birmingham,explained.
What are hard money loan rates in Birmingham?
Hard money loan rates in Birmingham typically range from 9% to 13% depending on the loan program, your experience level, credit score, and loan-to-value ratio. AIRE Lending offers multiple lending programs to find you the most competitive rate available for your specific deal.
How fast can I close on a hard money loan in Birmingham?
Most hard money loans in Birmingham can close in 7 to 21 days, significantly faster than conventional financing. Bridge loans and fix & flip loans with clean title and completed due diligence can close even faster.
Do I need experience to get a hard money loan in Birmingham?
Not necessarily. While experienced investors may qualify for better rates, several of our lending programs are designed for first-time investors in Alabama. We will structure the right program based on your experience level.
What types of investment properties can I finance in Birmingham?
We finance single-family homes, townhouses, condos, duplexes, triplexes, fourplexes, and small multifamily properties in Birmingham and throughout Alabama. Both residential and mixed-use investment properties are eligible.