Where we lend · Alabama (AL)
Investment property financingin Alabama.
Fix & flip, DSCR rental, bridge and construction loans for investors in Birmingham, Huntsville, Montgomery and across Alabama. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Alabama,at a glance.
Alabama is one of the most affordable real estate markets in the Southeast, making it a magnet for cash flow-focused investors. Birmingham anchors the state with a revitalized downtown, growing healthcare and banking sectors, and median home prices under $200K that produce strong rent-to-price ratios. Huntsville is the fastest-growing city in Alabama, driven by NASA, Redstone Arsenal, and a booming tech corridor that has pushed home values up over 40% in five years. Mobile and Montgomery offer deeply discounted rental inventory with cap rates that routinely exceed 10%.
Markets we serve
- Birmingham
- Huntsville
- Montgomery
- Mobile
- Tuscaloosa
Why AIRE Lending in Alabama
- Programs calibrated for Alabama's affordable price points — loans from $75K up
- DSCR lending ideal for Birmingham and Huntsville rental yields
- Fast closings to capture off-market deals in competitive Alabama metros
- Experience with Alabama's unique closing process including attorney-state requirements
- Construction financing for Huntsville's rapidly expanding housing market
Programs available
What we lendin Alabama.
Loan programs currently available through AIRE Lending in AL.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.5%
- Leverage
- Up to 75%
- Term
- 24 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Alabama licensing and compliance
Alabama does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Alabama lending regulations.
Questions, answered
Lending in Alabama,explained.
What areas of Alabama do you lend in?
We provide private lending across all of Alabama — Birmingham, Huntsville, Montgomery, Mobile, Tuscaloosa, and every city and county in between. If the property is in Alabama and the deal pencils, we can finance it.
Is Huntsville a good market for real estate investment?
Huntsville is one of the strongest growth markets in the entire Southeast. The combination of aerospace and defense employers, a growing tech sector, and sustained population growth has driven property values up significantly while rental demand remains intense. Many investors see Huntsville as the next Nashville.
What are typical rates for hard money loans in Alabama?
Fix and flip rates in Alabama typically range from 9.5% to 12.5% depending on experience and leverage. DSCR rental loans start in the low 7% range. Alabama's lower property values mean strong cash-on-cash returns even with private lending rates.
Do you finance properties in rural Alabama?
Yes. While our highest volume is in the Birmingham and Huntsville metros, we finance properties throughout Alabama. The key factors are property value, market rents, and a viable exit strategy — not the specific city or town.