Broker, not a lenderHard Money Lenders inRoswell, New Mexico
Fix and flip, DSCR rental and new construction financing for Roswell 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 a Roswell deal right now
Prefilled with a realistic Roswell 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 Roswell
Roswell is the trade center for southeastern New Mexico, and its economy runs on agriculture, dairies, oil and gas, health care and a large aircraft maintenance and storage operation at the old Air Force base on the south edge of town. The military academy and a community college add steady jobs. Housing is mostly mid-century brick and frame ranches, many built when the base was active, plus older homes near downtown.
Roswell is a low-entry, small-buyer-pool market, so the purchase price and the carry decide the deal. Houses take longer to sell than in larger cities, and the buyer is local, so overbuilding a finish rarely pays. Put the money in what the inspector checks: roof, cooling, wiring and plumbing. The oil field cycle in the Permian to the south also moves demand, and a busy rig count fills rentals quickly.
What a Roswell deal looks like on paper
Roswell example: $135,000 purchase, $40,000 rehab, $240,000 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 1950s brick ranch on the south side: roof, refrigerated air, rewiring, kitchen, bath and new flooring throughout. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5% of the purchase)You$6,750
- Origination (2%)Lender$3,365
- Lender fees (flat)Lender$995
- Broker fee (1%)Broker$2,000
- Title and closing (estimate at Texas rates)Title$3,167
- Prepaid interest (15 days)Lender$691
- Property insuranceInsurer$1,663
- AppraisalAppraiser$550
Interest while you rehab: $1,068 a month on the $128,250 funded at closing, $1,401 once every draw is out. Proof of funds is cash to close plus $12,000 of rehab reserve and $8,404 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 Roswell
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| First Flip, 10% Down1 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips2 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 5+ Flips3 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips4 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- 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.
- 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.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- 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.
Where Roswell prices sit right now
Before we price a Roswell 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 Roswell median sale price at $227K for the three months ending September 2026, up 1.6% from a year earlier, with homes selling after about 42 days on the market.
| Median sale price, Roswell (Redfin, 3 months to Sep 2026) | $227K |
| Days on market, Roswell (Redfin) | 42 |
| Year over year change in median (Redfin) | +1.6% |
Sources: Redfin, Roswell housing market
How a Roswell file actually gets priced
With fewer sales each month, a Roswell appraisal leans on whatever closed nearby in the last several months, and sometimes the appraiser has to reach farther back or across town. New Mexico does not publish sale prices, so the MLS is the comp source. We size the ARV on the middle of the closed range for the same side of town, not the best sale, and plan the hold to match how long similar houses actually took to sell.
Southeast New Mexico gets hard hail and wind, so roof age is the first underwriting question. Older homes may still have original wiring, galvanized pipe and swamp coolers. Clay soils can heave slabs, and heavy summer storms can overwhelm drainage on low streets. Permits go through the City of Roswell, and rehab materials and contractors can take longer to line up than in Albuquerque, so build slack into the schedule.
Who buys your finished Roswell deal
The finished Roswell house sells to a local family, a health care worker or someone tied to the dairies, the oil field or the air center, often with FHA, VA or USDA financing. They want a sound roof, refrigerated air and a clean kitchen at a price under the city median. Because purchase prices are low, rents compare well to the loan, which makes a DSCR hold a reasonable second exit.
Your whole loan, in one portal
Apply once and the whole Roswell 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 Roswell
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Roswell.
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 Roswell
We broker deals across the whole Roswell 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
Plan on 7-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.
Roswell hard money FAQ
Do you lend hard money in Roswell?
Which fix and flip programs apply in Roswell?
How fast can a Roswell hard money loan close?
How much do I need to bring to close on a Roswell flip?
Do you fund the rehab budget in Roswell?
What credit score do I need for a Roswell fix and flip loan?
Can I refinance a Roswell flip into a rental loan?
Is the loan amount too small for a Roswell flip?
How does the oil field affect Roswell flips?
Before you sign anything
Ready to fund your Roswell deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.