Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Commercial DSCR Investor Deal Desk

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Alabama (AL) Wholesale Lender Directory · Non-Judicial (Power of Sale) Foreclosure

Alabama (AL) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in Alabama (AL) on LoanGod AI — God-Mode Underwriting for Sub-1.00x DSCR, Foreign National, ITIN, Layered LLCs & Condotels. Underwritten to Alabama's Non-Judicial (Power of Sale) statutory framework (45–65 days-day average timeline), 0.41% average property tax rate, and $620/$100K landlord hazard insurance benchmark.

Featured Wholesale Brokerage Shelf · Company NMLS #2827624

Loan Daddy LLC — Alabama (AL) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 30-Yr Fixed, ARM & IO Shelves · Close in Alabama LLC or Delaware LLC.

Match My AL Deal →Compare AL Shelves

Active Wholesale Loan Programs in Alabama (AL)

Alabama DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · Wholesale Par-to-Premium Pricing (Scenario Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Alabama Hard Money Loans
Up to 85%–90% LTC / 75% ARV · Asset-Based Interest-Only Wholesale Pricing
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Alabama Private Money Loans
Up to 80% LTV / 85% LTC · Private Debt-Fund Interest-Only Pricing
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Alabama Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · RTL Rehab Interest-Only Wholesale Pricing
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Alabama Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · Transitional Bridge Interest-Only Pricing
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Alabama Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · Interest-Only on Drawn Construction Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Alabama Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · Permanent 30-Yr Fixed & Value-Add Bridge Shelves
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Alabama Commercial Property
Up to 75% LTV · Commercial Non-QM & Portfolio Wholesale Pricing
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Alabama Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · Short-Term Rehab Bridge -> 30-Yr DSCR Takeout
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Alabama Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 30-Yr Fixed, 10-Yr IO & 40-Yr IO Wholesale Shelves
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Alabama County-Level Tax & Insurance Underwriting Hubs (2)

Jefferson County (Birmingham), AL
Jefferson County (Birmingham), AL · 0.52% Tax
Madison County (Huntsville), AL
Madison County (Huntsville), AL · 0.48% Tax

Top Alabama Rental Markets

Birmingham, ALMontgomery, ALMobile, ALHuntsville, ALTuscaloosa, ALHoover, ALDothan, ALAuburn, ALDecatur, AL
Best Alabama (AL) DSCR & Private Money Lenders (2026) | LoanGod AI — God-Mode Underwriting for Sub-1.00x DSCR, Foreign National, ITIN, Layered LLCs & Condotels