Broker, not a lenderHard Money Lenders inShreveport, Louisiana
Fix and flip, DSCR rental and new construction financing for Shreveport 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 Shreveport deal right now
Prefilled with a realistic Shreveport deal. Change any number and it reprices instantly on the lanes licensed in Louisiana, using the same engine behind our term sheets.
Financing a deal in Shreveport
Shreveport is an inexpensive place to buy a house, with an old housing stock to go with the low prices. Highland and Fairfield hold 1900s to 1920s Craftsman and Victorian houses, while Broadmoor, Shreve Island and South Highlands are mostly 1930s to 1960s brick cottages and ranches on tree-lined streets. The northwest Louisiana economy leans on health care, the casinos, natural gas from the Haynesville Shale and Barksdale Air Force Base across the river in Bossier City.
In Shreveport the street matters more than the ZIP. Broadmoor and South Highlands hold value, and a renovated ranch there sells to a buyer with a mortgage. A mile north or west, the same floor plan can struggle to appraise because of vacancy and blight nearby. We pull renovated sales street by street before setting a number, and we steer first-time flippers toward the blocks where retail buyers are already paying for finished houses.
What a Shreveport deal looks like on paper
Shreveport example: $130,000 purchase, $50,000 rehab, $250,000 after repair value, 730 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Picture a 1950s brick ranch in Broadmoor on pier and beam with sloping floors, a 1980s kitchen, original tile baths and an HVAC unit well past retirement. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (10% of purchase plus rehab)You$18,000
- Origination (2.13%)Lender$3,443
- Lender fees (flat)Lender$2,790
- Broker fee (1%)Broker$2,000
- Title and closing (estimate at Texas rates)Title$3,136
- Prepaid interest (15 days)Lender$665
- Property insuranceInsurer$1,710
- AppraisalAppraiser$550
Interest while you rehab: $932 a month on the $112,000 funded at closing, $1,349 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $8,092 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 Shreveport
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Experienced Investor Rate1 | 15% | 680+ | 2+ completed flips | 9.00% | 0.75% | 75% of ARV | 12-24 months | 7-14 days |
| First Flip, 10% Down2 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips3 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips4 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips5 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips6 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- 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 from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- 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 Shreveport prices sit right now
Before we price a Shreveport 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 Shreveport median sale price at $194K for the three months ending September 2026, down 1.6% on a year earlier, with homes selling in around 55 days. Zillow’s average home value for the city is $145,457, up 4.4%. In 71105, which covers Broadmoor and Shreve Island, Redfin’s median is $225K, up 3.9%, with homes selling in about 47 days.
| Median sale price (Redfin) | $194K |
| Days on market (Redfin) | 55 |
| Typical home value (Zillow) | $145,457 |
| 71105 median sale (Redfin) | $225K |
Sources: Redfin, Shreveport housing market · Zillow, Shreveport home values · Redfin, 71105 housing market
How a Shreveport file actually gets priced
With a lower price point, the rehab is a big share of the total, so the scope gets close attention. We want the foundation, roof, HVAC and plumbing priced by a contractor, not guessed, before the after repair value is final. Appraisers in Caddo Parish comp within the neighborhood and rarely give credit for finishes beyond what nearby sales show, so we keep the finish level in line with the street rather than the best house in town.
The ground is the big local issue. Expansive clay soils shift pier and beam and slab foundations, and leveling or a full re-pier is a common line item, so get an engineer or a foundation company out early. Older Highland and Fairfield houses can have lead paint, old cast iron or galvanized pipes and outdated panels. Severe storms and the occasional tornado also make the roof and the insurance quote worth checking before you buy.
Who buys your finished Shreveport deal
Buyers for the finished house include medical staff from the hospital district, Barksdale airmen and civilian staff who often use VA loans, casino and energy workers, and local families moving up from a starter home. VA and FHA appraisals look hard at condition, so peeling paint, missing handrails and a weak roof will come back as repairs. Rents in the stronger neighborhoods often carry a DSCR loan, which gives you a hold option if the sale is slow.
Your whole loan, in one portal
Apply once and the whole Shreveport 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 Shreveport
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Shreveport.
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 Shreveport
We broker deals across the whole Shreveport 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 Louisiana, 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.
Shreveport hard money FAQ
Do you lend hard money in Shreveport?
Which fix and flip programs apply in Shreveport?
How fast can a Shreveport hard money loan close?
How much do I need to bring to close on a Shreveport flip?
Do you fund the rehab budget in Shreveport?
What credit score do I need for a Shreveport fix and flip loan?
Can I refinance a Shreveport flip into a rental loan?
How does a closing work in Shreveport?
Does Barksdale help the Shreveport resale market?
Before you sign anything
Ready to fund your Shreveport deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.