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Alabama (Fix and Flip)

The Premier Private Money Lender for Alabama (Fix and Flip) Real Estate Investors

The Ideal Lender for Fix and Flip Loans in Alabama

Flipping homes in Alabama requires more than finding the right property. It demands financing that matches the speed and scope of your project. Whether you’re updating a single-family house in Birmingham, turning around an older home in Montgomery, or targeting high-demand neighborhoods in Huntsville, Lima One Capital equips you with funding that works on your timeline. Our fix and flip loans are built for investors who want to move quickly, manage renovations smoothly, and exit with strong returns.

With affordable housing stock and steady buyer demand across the state, Alabama offers an attractive environment for short-term real estate investments. At Lima One, we pair that market potential with financing designed around investors’ needs, not traditional lending restrictions. Start your application today and discover how our fix and flip loans can help you seize the best opportunities across Alabama.

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Loan Types

Apply for Fix and Flip Loans in Alabama Today

Every Alabama house flip has a lot of moving parts—purchase negotiations, rehab budgets, contractor schedules, and resale timing. Lima One Capital helps you keep all of those on track with loan programs designed for real estate investors. Our approval process is streamlined, our underwriting is handled in-house, and our draw management is built to keep your renovation running smoothly.

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FixNFlip

Our flexible FixNFlip loans simplify the approval process and enable you to move quickly, maximize your leverage, and pivot when necessary.

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  • FixNFlip
  • Fix2Rent
  • Bridge Plus
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New Construction

Whether your strategy is Build For Rent or Build for Sell, we specialize in vertical construction financing on infill, shovel-ready, fully entitled land on single builds or developments.

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  • New Construction
  • Build2Rent
  • Bridge Plus
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Bridge Plus

When you need to close quickly or want to buy some extra time to finalize your business plan, a basic Bridge Loan is the tool you need to add versatility and flexibility to your strategy.

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  • Bridge Loan for Builders
  • Bridge Loan for Rental Investors
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Rental

Our rental investment loans are flexible and versatile, giving you the leverage you need and the reliable capital you want.

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  • Portfolio Rental
  • Single Family Rental
  • Short-Term Rental
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Why Lima One

Looking for Fix and Flip Financing in Alabama?

Alabama investors know that the right financing is often the difference between a missed opportunity and a profitable flip. Lima One Capital has lending solutions that support investors at every stage, from acquisition through renovation to resale. With local market knowledge and nationwide lending strength, we’re the partner that gives you the resources and confidence to grow your portfolio in Alabama.

Reliable Capital for Alabama Fix and Flip Projects

Timing is everything in real estate. With Lima One Capital, you’ll never miss out on a property because of slow or uncertain funding. Since we’re backed by MFA Financial, our lending strength ensures you can compete confidently in Alabama’s fast-paced market. As one of the state’s trusted fix and flip lenders, we provide certainty that traditional banks and money lenders can’t match.

Knowledgeable Team for Fix and Flip Loans in Alabama

Managing a fix and flip requires more than just cash. It also takes oversight and timely access to draws. Our in-house team answers key questions, connects you to financing that works for your needs, and helps you stay on schedule to protect your margins.

Investor-Based Approval for Fix and Flip in Alabama

Unlike traditional mortgages that emphasize rigid credit requirements, we evaluate your project on the numbers that matter: budget, ARV, and overall investment plan. That means experienced Alabama investors can access the leverage they need to scale their business without the red tape.

Alabama (Fix and Flip) Real Estate Investment Case Studies

Lima One Capital has partnered with investors throughout Alabama to provide the financing needed for successful flips. Our case studies demonstrate how the right loan structure—backed by dependable capital and in-house support—helps investors move quickly on acquisitions, manage renovations smoothly, and maximize resale value. Check out these examples to see how our fix and flip loans create consistent results for real estate investors across the state.

Phenix City, AL

Phenix City, AL

A veteran flipper in the Columbus, Georgia, MSA found an ideal property just across the border in Phenix City, Alabama.

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Why Alabama’s Fix and Flip Market Stands Out

Alabama is poised to become even more compelling for flippers and rehab investors thanks to several key trends:

  • Unbeatable affordability. With a median home sale price of about $220,000 in 2025—well below the U.S. average—Alabama leads the nation in affordability, offering strong entry points for investors.
  • Growing investor appetite. Institutional buyers accounted for nearly 11% of home purchases in Q1 2025, up from 9.7% a year earlier. In contrast, these investors made up just 6.3% of all home purchases nationally during that time, demonstrating confidence in Alabama’s long-term returns.
  • Resurgence in activity. Home sales climbed 10.9% year-over-year in June 2025, marking renewed momentum following a prolonged market slowdown.
  • Abundant inventory offers flexibility. Active listings increased by roughly 25% year-over-year, providing flippers with more options and negotiating leverage.

These favorable market dynamics position Alabama as an excellent environment for fix and flip projects. When paired with Lima One Capital’s advantages—fast closings, tailored underwriting, in-house draw management, and flexible exit options—investors can move swiftly, control costs, and maximize exit value.

Lima One Insights

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Alabama

Alabama is home to growing cities like Birmingham, Montgomery, and Huntsville; college towns Tuscaloosa and Auburn; and Mobile and the gulf coast. The variety of settings in the state gives real estate investors a variety of strategies available to profit. To take advantage, Alabama real estate investors need a financing partner like Lima One Capital.

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