Broker, not a lenderHard Money Lenders inAlbuquerque, New Mexico
Fix and flip, DSCR rental and new construction financing for Albuquerque investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price an Albuquerque deal right now
Prefilled with a realistic Albuquerque deal. Change any number and it reprices instantly on the lanes licensed in New Mexico, using the same engine behind our term sheets.
Financing a deal in Albuquerque
Albuquerque is a steady, mid-priced market driven by Kirtland Air Force Base, Sandia National Labs, UNM and the hospital systems. The flip stock is mostly 1950s to 1970s stucco ranches in the Northeast Heights and around Nob Hill, plus older adobe and territorial houses in the valley. On our shelf, New Mexico is a market for experienced flippers: the priced lane here wants five or more completed flips, so this page is written for investors with a track record.
Two costs catch newcomers in Albuquerque. The first is cooling. A lot of the Heights houses still run evaporative coolers on the roof, and converting to refrigerated air with proper ductwork is the upgrade buyers notice most. The second is tax. New Mexico charges gross receipts tax on most services, including contractor work, and when it gets passed to you it shows up as a separate line on the invoice. Build it into every bid, or your rehab budget will come up short by the tax on the whole job.
What an Albuquerque deal looks like on paper
Albuquerque example: $210,000 purchase, $50,000 rehab, $360,000 after repair value, 730 credit, 10 or more flips completed. The engine puts that borrower on the 5% Down, 5+ Flips program at 9.99%. Picture a 1960s Northeast Heights ranch: roof, a swap from swamp cooler to refrigerated air, kitchen, two baths and stucco patching. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5%)You$10,500
- Origination (2%)Lender$4,990
- Doc prepLender$749
- Broker fee (1%)Broker$2,495
- Title and closingTitle$3,569
- Prepaid interest (15 days)Lender$1,024
- Property insuranceInsurer$2,470
- AppraisalAppraiser$550
Interest while you rehab: $1,661 a month on the $199,500 funded at closing, $2,077 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $12,463 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Albuquerque
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| 5% Down, 5+ Flips1 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Albuquerque comps say
Redfin puts the Albuquerque median sale price at $360K for the three months ending August 2026, up 1.3% from a year earlier, with homes selling in about 32 days.
| Median sale price, Albuquerque (Redfin, 3 months to Aug 2026) | $360K |
| Days on market, Albuquerque (Redfin) | 32 |
| Year over year change in median (Redfin) | +1.3% |
Sources: Redfin, Albuquerque housing market · New Mexico Taxation and Revenue, gross receipts tax overview · AMAFCA, flood information
How an Albuquerque file actually gets priced
Albuquerque values change street by street between the Heights, the valley and the Westside, and an appraiser will stay inside those lines. We comp with closed sales from the same quadrant and similar vintage in the last 90 days. A pitched-roof Heights ranch is compared with its neighbors, not with a flat-roof pueblo-style house across town. We also check the roof type on every file. Flat roofs with parapets need a solid membrane and working canales (roof drain spouts), and a leak stain in the ceiling is the first thing a buyer’s inspector writes up.
Flooding here comes from arroyos, not rivers. Summer monsoon storms send runoff down the dry channels that cut through the Heights and the Westside, and properties next to an arroyo can land in a mapped flood hazard area. Check the city and AMAFCA flood maps before you buy, and look at how the lot drains. Desert soils can settle when they get wet, so a leaking line or poor grading can crack stucco and slabs. Permits run through the City of Albuquerque Planning Department, and older valley properties sometimes come with unpermitted additions that the appraiser won’t count.
Who buys your finished Albuquerque deal
A finished Albuquerque house sells to a base or lab employee, a hospital worker or a local first-time buyer, often with FHA or VA financing. That buyer wants refrigerated air, a sound roof and clean stucco, and they compare your house with new construction on the Westside and in Rio Rancho. Close-in houses near Nob Hill and the university have the deepest resale demand. Farther out, a DSCR rental hold is a realistic exit because rents stay steady with the government and university workforce.
Your whole loan, in one portal
Apply once and the whole Albuquerque loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Albuquerque
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Albuquerque.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Albuquerque
We broker deals across the whole Albuquerque market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in New Mexico, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Albuquerque hard money FAQ
Do you lend hard money in Albuquerque?
Which fix and flip programs apply in Albuquerque?
How fast can an Albuquerque hard money loan close?
How much do I need to bring to close on an Albuquerque flip?
Do you fund the rehab budget in Albuquerque?
What credit score do I need for an Albuquerque fix and flip loan?
Can I refinance an Albuquerque flip into a rental loan?
Can I get a first-flip loan in Albuquerque?
Does gross receipts tax change my rehab budget in Albuquerque?
Before you sign anything
Ready to fund your Albuquerque deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.