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Fast Fix & Flip Private Financing in New Mexico

New Mexico Hard Money Loans provides rapid acquisition and rehab funding for active house flippers in Albuquerque, Rio Rancho, Santa Fe, and surrounding markets. We underwrite the asset's After-Repair Value (ARV) and your project ROI, allowing you to bypass traditional bank delays and close on distressed properties in 3 to 5 business days.

What Are the Requirements for a Fix & Flip Loan?

  • Maximum LTV / LTC: Up to 70% of the After-Repair Value (ARV), funding up to 100% of the rehab costs.

  • Approval Basis: Deal profitability and hard asset equity. No minimum FICO score required.

  • Income Verification: None. We do not look at W-2s, tax returns, or global debt-to-income (DTI) ratios.

  • Speed to Close: 3 to 5 business days from receipt of clean title.

  • Property Types: Non-owner occupied single-family, 2-4 unit multi-family, and heavy rehab distress cases.

Frequently Asked Questions About Fix & Flip Loans in NM

Do you fund 100% of the rehab costs for a flip?

YES. NMHML can fund up to 100% of your construction and rehab budget, provided the total loan amount does not exceed our maximum Loan-to-Value (LTV) limit based on the property's After-Repair Value (ARV). Rehab funds are held in escrow and released in draws as work is completed.

How fast can a hard money lender close in Albuquerque or Santa Fe?

We can fund approved fix-and-flip deals in as little as 3 to 5 business days once title is cleared. Because we manage our own capital locally, you do not have to wait for an out-of-state loan committee or corporate underwriting desk to approve the file

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Call Tim at: 505-895-5770

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