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Fix & Flip · Alabama

Fix & flip loans in Alabama — fund the deal, keep your cash.

Mortava fix & flip loans in Alabama: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Alabama is affordable entry prices and strong cash flow, with Huntsville’s aerospace economy driving rental demand. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Birmingham, Huntsville, Montgomery and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Alabama project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Alabama projects with Mortava

In a market like Alabama, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Birmingham, Huntsville, Montgomery, Mobile deals and recycle capital into the next project faster.

Entry prices in Birmingham and Montgomery sit well below the national median, so debt-service ratios clear more easily here than in coastal markets. Add a landlord-friendly legal climate and Alabama rewards buy-and-hold and BRRRR investors alike.

Top metros we fund
Birmingham, Huntsville, Montgomery, Mobile
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Alabama

The same leverage that funds a Alabama flip funds the "buy and rehab" half of BRRRR. Renovate in Birmingham or Huntsville, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Alabama fix & flip loan FAQ

Can I get a fix and flip loan in Alabama?
Yes. Mortava funds fix & flip projects across Alabama, including Birmingham, Huntsville, Montgomery, Mobile. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Alabama flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Alabama.
Do you fund first-time flippers in Alabama?
Yes — first-time flippers are welcome in Alabama with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Birmingham and Huntsville?
Yes — Birmingham, Huntsville, Montgomery, Mobile and every other Alabama market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Alabama property instead of selling it?
Yes. Many Alabama investors renovate with a Mortava flip loan in markets like Birmingham, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in VermontFlip in VirginiaFlip in WashingtonFlip in West VirginiaFlip in WisconsinFlip in WyomingFlip in AlaskaFlip in ArizonaFlip in ArkansasFlip in CaliforniaFlip in ColoradoFlip in Connecticut
All Fix & Flip programs → DSCR loans in Alabama → Instant quote & pre-qualify →
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