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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 XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals. 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.

#1 Wholesale Brokerage Shelf · NMLS #2827624

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

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · 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 · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Alabama Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Alabama Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Alabama Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Alabama Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Alabama Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Alabama Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Alabama Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Alabama Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (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) · 6.625% – 8.375%
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) | XLoans AI — Algorithmic Structuring for High-Leverage DSCR, ITIN, Foreign National & Cross-Collateral Deals