Hard Money Lenders in Huntsville, AL | Fix & Flip Loans | Capital Kings LLC
Broker, not a lender

Hard Money Lenders inHuntsville, Alabama

Fix and flip, DSCR rental and new construction financing for Huntsville 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.

Get a term sheet →Price a Huntsville deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO · October 2026
How we work

What you get working with us

400+
Lenders we shop your deal across
72 hrs
To close at the fastest, 5-14 days typical
100%
Of rehab funded, released in draws
8.99%
Rates from, in Alabama
Run the numbers

Price a Huntsville deal right now

Prefilled with a realistic Huntsville deal. Change any number and it reprices instantly on the lanes licensed in Alabama, using the same engine behind our term sheets.

Enter your numbers to see the program, loan size and cash to close.
Get a real term sheet →Same math as our term sheet. No credit pull, nothing saved.
The market

Financing a deal in Huntsville

Huntsville is an engineering town. Redstone Arsenal, NASA’s Marshall Space Flight Center and the contractors in Cummings Research Park pull in a steady stream of well-paid buyers, and many arrive on a relocation clock. The flip stock is 1950s to 1970s brick ranches in North Huntsville, the Medical District and Jones Valley, with older mill and bungalow houses near Five Points.

The Huntsville deal is a race against new construction. Builders in Madison, Harvest, Meridianville and Hazel Green sell new houses with incentives, and a lot of transferees default to them. A renovated ranch wins when it is closer to the Arsenal gates or downtown and the finish holds up next to a new build. We price your after repair value against that competition, not against older unrenovated sales.

A real term sheet

What a Huntsville deal looks like on paper

Huntsville example: $165,000 purchase, $50,000 rehab, $310,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1960s brick ranch in North Huntsville with a carport, original baths, a dated kitchen and a furnace near the end of its life. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$190,250
Cash to close$37,350
Proof of funds to show$59,877
Where the $37,350 goes
  • Down payment (15% of the purchase)You$24,750
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,276
  • Prepaid interest (15 days)Lender$742
  • Property insuranceInsurer$2,043
  • AppraisalAppraiser$550

Interest while you rehab: $1,109 a month on the $140,250 funded at closing, $1,505 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $9,027 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Programs

What we can fund in Huntsville

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110%660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5%660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
Fastest Close (3 days)10%No minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.

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 October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

What we check first

Where Huntsville prices sit right now

Before we price a Huntsville flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Huntsville median sale price at $337K for the three months ending September 2026, up 0.5% on a year earlier, with homes selling in around 58 days. The median price per square foot is $167.

Median sale price (Redfin)$337K
Change from a year earlierup 0.5%
Days on market (Redfin)58
Median price per square foot$167

Sources: Redfin, Huntsville housing market

Underwriting

How a Huntsville file actually gets priced

Huntsville appraisers separate city of Huntsville schools from Madison City and Madison County schools, and buyers do too. We pull renovated sales from the same school zone and the same side of the Parkway first. Values have been flat this year, so we use what closed recently, not what listed. If your best comp is a new build, we tell you it won’t count the way you hope.

North Alabama sits on limestone, and sinkholes and soft ground show up in parts of Madison County, so look for cracked slabs and doors that stick. Aldridge Creek and the Huntsville Spring Branch have floodplain through neighborhoods people don’t expect. The ranches here often have original duct work, aluminum branch wiring in some 1960s and 1970s builds, and roofs that are past due. Twickenham and Old Town are historic districts with design review on exterior changes.

The exit

Who buys your finished Huntsville deal

The finished Huntsville house sells to an engineer, a contractor on a clearance job or a military family moving to the Arsenal. Many buy quickly because they start work on a fixed date, and many use VA loans, so condition items matter. Price it against new construction nearby and make the kitchen and baths compete. North Huntsville rentals stay full with Arsenal and plant workers, so a DSCR refinance is a sound fallback.

After you apply

Your whole loan, in one portal

Apply once and the whole Huntsville 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.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.
What happens after you apply →Tour the borrower portal
Loan products

What we fund in Huntsville

Fix & Flip

Purchase plus 100% of rehab, released in draws. The core product in Huntsville.

15% down from 8.99% at 700+ credit · 10% down from 9.99% at 660+ credit

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.

30-year · no income docs

New Construction

Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.

Land + build financing
Coverage

Where we lend in Huntsville

We broker deals across the whole Huntsville market. These are the submarkets investors ask us about most:

North Huntsville (35810 / 35811)Five Points and Blossomwood (35801)Westlawn and the Medical District (35805)Lincoln Village and Dallas Mill (35801)Jones Valley (35802)Southeast Huntsville off Bailey Cove (35802 / 35803)
Process

From deal to funded

01

Send the deal

Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.

02

We shop it

Your scenario goes to the lenders in our network that actually fit it and are licensed in Alabama, not all 400 at once.

03

Real terms back

Rate, origination, leverage and cash to close side by side, so you can compare on total cost.

04

Close

5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Questions

Huntsville hard money FAQ

Do you lend hard money in Huntsville?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Huntsville scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Alabama, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Huntsville?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Huntsville hard money loan close?
As little as 72 hours. Most Huntsville fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Huntsville flip?
The worked example on this page is a $165,000 Huntsville purchase with a $50,000 rehab and a $310,000 after repair value at 730 credit, first flip: $24,750 down (15% of the purchase) and $37,350 total cash to close, with $59,877 of proof of funds to show the lender. The lowest down payment for a first flip in Huntsville is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Huntsville?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Huntsville fix and flip loan?
One Huntsville program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Huntsville flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Huntsville flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Does new construction hurt Huntsville flips?
It sets your ceiling. Builders in Madison, Harvest and Meridianville offer rate buydowns and new warranties, and a buyer comparing them to your flip will want the same feel. Flips win on location: closer to the Arsenal, downtown or the hospital, on a mature lot. Buy where that advantage is real and keep the finish level close to what the builders offer.
Do Huntsville and Madison schools change the after repair value?
Often, yes. Huntsville City, Madison City and Madison County run separate school systems, and buyers here shop by school zone. Two houses a mile apart can appraise differently because of it. We pull comps inside the same district so the after repair value matches what the appraiser will use.
Who you are working with
Micah Foster
Founder & CEO
Micah Foster
Micah brokers Non-QM and hard money loans for real estate investors across 37 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.
Send Micah your Huntsville deal →
Keep reading

Before you sign anything

Loan Cost
Dutch vs standard interest: what it really costs you
Read article →
Cash Needed
Cash to close on a flip: the number most investors miss
Read article →
Term Sheet
How to get an instant hard money term sheet
Read article →
Broker
Direct hard money lender vs broker: the honest breakdown
Read article →
Hard money in Birmingham →Hard money in Nashville →Hard money in Chattanooga →All Alabama coverage →

Ready to fund your Huntsville deal?

Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.

Start application →Get a pre-approval letter