Call our team of experts to learn more about what Lima One has to offer.

Give us a call at:

Borrower Sales: (833) 315-5112
Broker Sales: (833) 315-4404

Or email us at:

hello@limaone.com

Alabama (Rental)

The Premier Private Money Lender for Alabama (Rental) Real Estate Investors

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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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Frequently Asked Questions About Rental Property Loans in Alabama

Lima One offers single-family rental loans, portfolio loans for multiple properties, and DSCR loans that qualify based on rental income rather than personal income. We finance long-term rental strategies and short-term rental properties across Alabama, with both fixed-rate and adjustable-rate options to match your investment goals.

Unlike conventional mortgages that require W-2s, tax returns, and employment verification, Alabama DSCR loans qualify you based solely on your property's cash flow. We calculate the debt service coverage ratio to ensure rental income covers your loan payments, making the approval process faster and simpler for real estate investors.

Interest rates for Alabama rental property loans vary based on property performance, loan amount, credit score, and loan terms. Lima One offers competitive interest rates that reflect current market conditions and your property's debt service coverage ratio. Contact our team for current rate quotes tailored to your specific investment.

Yes. We finance single-family rentals as well as multi-unit properties (duplexes, triplexes, fourplexes) throughout Alabama. Our loan programs accommodate various real estate investment strategies, including individual rental properties or diversified portfolios across several property types.

Lima One typically closes Alabama rental property loans within a handful of weeks from application to funding. Our streamlined process and in-house underwriting team move quickly, helping you secure properties in competitive markets without the lengthy timelines common with traditional lenders or conventional mortgages.