# Birmingham Hard Money Lender | DSCR & Fix-Flip Loans | KREC *Hard money loans for Birmingham real estate investors. Fix & flip, DSCR rental, bridge & construction financing with closings in as fast as 7 days. Call 619-369-4444.* ## Birmingham Hard Money Lender Fast, flexible hard money loans for Birmingham real estate investors. Fix & flip, DSCR, bridge, and construction financing across Central Alabama. 48 States We Lend In 7 Days Fastest Close Time 9.99% Rates Starting At 4.9/5 Client Rating ### Why Birmingham Investors Choose Us Birmingham's affordability and strong rent-to-price ratios make it a standout Southeast market for cash-flow investors and flippers working the urban core. #### Investor-First Lending We lend on the deal, not your W-2. Asset-based underwriting means Birmingham investors get answers in hours, not weeks. #### Fast Closings Close in as fast as 7 days. Our in-house underwriting means no delays — win deals other buyers can't. #### Personal Service Work with real humans, not algorithms. A dedicated account executive guides every Birmingham deal from term sheet to closing table. ### Hard Money Loans for Birmingham Investors Comprehensive financing solutions for every Birmingham real estate investment strategy. #### Fix & Flip Loans Up to 90% LTC and 100% rehab financing for Birmingham investment properties. Close in as fast as 7 days. #### DSCR Rental Loans No income verification. Qualify based on property cash flow — a great fit for Birmingham's rental market. #### New Construction Ground-up construction financing for single-family and multi-unit projects throughout the Birmingham area. #### Bridge Loans Quick bridge financing to acquire Birmingham properties before your exit strategy is finalized. ### Serving Greater Birmingham From the city center to the over-the-mountain suburbs, we fund investment deals across Central Alabama. Plus all other Birmingham-area communities. We lend in 48 states from our San Diego headquarters. #### Talk to Our Birmingham Lending Team Lending in Birmingham, AL 100% remote closings — no office visit required. Funded from our San Diego headquarters. Phone Hours Monday - Friday: 8am - 6pm PT Weekends: By Appointment ### Birmingham Hard Money Loan FAQs Common questions from Birmingham real estate investors. #### What areas of Birmingham do you serve? We fund deals throughout the Birmingham area including Hoover, Vestavia Hills, Homewood, Mountain Brook, Trussville, Bessemer, Pelham, Alabaster, and all surrounding communities in Alabama. #### How fast can you close on a Birmingham property? We can close in as fast as 7 days for straightforward deals. Most Birmingham transactions close within 10-14 days. #### Do you require Birmingham real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Birmingham investment. #### What are your rates for Birmingham hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Birmingham project. #### Do you fund DSCR loans in Birmingham? Yes! We qualify based on property cash flow, not personal income — a strong fit for Birmingham rental investors. ### Ready to Fund Your Birmingham Investment? Get a free quote in minutes. Our team is standing by to help with your next Birmingham real estate deal. Flexible, creative lending solutions to help real estate investors scale their portfolios. NMLS ID: #2676974 ##### Quick Links - [Home](https://keyrealestatecapital.com/) - [Loan Products](https://keyrealestatecapital.com/loan-products) - [Real Estate Lending](https://keyrealestatecapital.com/real-estate-lending) - [Answers](https://keyrealestatecapital.com/answers) - [Calculator](https://keyrealestatecapital.com/calculator) - [Recently Funded](https://keyrealestatecapital.com/deals) - [Blog](https://keyrealestatecapital.com/blog) - [About Us](https://keyrealestatecapital.com/about) - [Contact](https://keyrealestatecapital.com/contact) ##### Loan Products - [Fix & Flip](https://keyrealestatecapital.com/loan-products#fix-and-flip) - [Single Rental](https://keyrealestatecapital.com/loan-products#single-rental) - [New Construction](https://keyrealestatecapital.com/loan-products#new-construction) - [Rental Portfolio](https://keyrealestatecapital.com/loan-products#rental-portfolio) - [Bridge Loans](https://keyrealestatecapital.com/loan-products#bridge) - [Transactional Funding](https://keyrealestatecapital.com/loan-products/transactional-funding) ##### Contact Us - Phone [(619) 369-4444](tel:619-369-4444) - Email [lindsay@keyrealestatecapital.com](mailto:lindsay@keyrealestatecapital.com) - Office 401 W A St Ste 200 San Diego, CA 92101 ##### Markets We Serve © 2026 Key Real Estate Capital. All rights reserved. Service Hours: 24/7 | Monday - Sunday ## Business Information - **Name:** Key Real Estate Capital - Birmingham - **Description:** Birmingham hard money lender specializing in fix and flip loans, DSCR rental loans, bridge financing, and construction loans. - **Telephone:** +1-619-369-4444 - **Website:** https://keyrealestatecapital.com/locations/birmingham - **Address:** 401 W A St Ste 200, San Diego, CA, 92101 ## Frequently Asked Questions ### What areas of Birmingham do you serve? We fund deals throughout the Birmingham area including Hoover, Vestavia Hills, Homewood, Mountain Brook, Trussville, Bessemer, Pelham, Alabaster, and all surrounding communities in Alabama. ### How fast can you close on a Birmingham property? We can close in as fast as 7 days for straightforward deals. Most Birmingham transactions close within 10-14 days. ### Do you require Birmingham real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Birmingham investment. ### What are your rates for Birmingham hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Birmingham project. ### Do you fund DSCR loans in Birmingham? Yes! We qualify based on property cash flow, not personal income — a strong fit for Birmingham rental investors. ## Links - [Get a Free Quote](https://keyrealestatecapital.com/contact) - [Learn More](https://keyrealestatecapital.com/loan-products/fix-and-flip) - [Learn More](https://keyrealestatecapital.com/loan-products/single-rental) - [Learn More](https://keyrealestatecapital.com/loan-products/new-construction) - [Learn More](https://keyrealestatecapital.com/loan-products/bridge) - [Get Started Today](https://keyrealestatecapital.com/contact) - [San Diego](https://keyrealestatecapital.com/locations/san-diego) - [Phoenix](https://keyrealestatecapital.com/locations/phoenix) - [Dallas-Fort Worth](https://keyrealestatecapital.com/locations/dallas-fort-worth) - [Houston](https://keyrealestatecapital.com/locations/houston) - [Atlanta](https://keyrealestatecapital.com/locations/atlanta) - [Tampa](https://keyrealestatecapital.com/locations/tampa) - [Orlando](https://keyrealestatecapital.com/locations/orlando) - [Miami](https://keyrealestatecapital.com/locations/miami) - [Las Vegas](https://keyrealestatecapital.com/locations/las-vegas) - [Denver](https://keyrealestatecapital.com/locations/denver) - [Charlotte](https://keyrealestatecapital.com/locations/charlotte) - [Nashville](https://keyrealestatecapital.com/locations/nashville) - [Sacramento](https://keyrealestatecapital.com/locations/sacramento) - [Riverside](https://keyrealestatecapital.com/locations/riverside) - [Jacksonville](https://keyrealestatecapital.com/locations/jacksonville) - [San Antonio](https://keyrealestatecapital.com/locations/san-antonio) - [Columbus](https://keyrealestatecapital.com/locations/columbus) - [Indianapolis](https://keyrealestatecapital.com/locations/indianapolis) - [Kansas City](https://keyrealestatecapital.com/locations/kansas-city) - [Memphis](https://keyrealestatecapital.com/locations/memphis) - [Birmingham](https://keyrealestatecapital.com/locations/birmingham) - [Cleveland](https://keyrealestatecapital.com/locations/cleveland) - [Austin](https://keyrealestatecapital.com/locations/austin) - [Privacy Policy](https://keyrealestatecapital.com/privacy-policy) - [Terms & Conditions](https://keyrealestatecapital.com/terms-of-service) - [Anti-Spam Policy](https://keyrealestatecapital.com/anti-spam-email-policy) --- Canonical URL: https://keyrealestatecapital.com/locations/birmingham Markdown URL: https://keyrealestatecapital.com/locations/birmingham.md Agent overview: https://keyrealestatecapital.com/llms.txt Full reference: https://keyrealestatecapital.com/llms-full.txt Sitemap: https://keyrealestatecapital.com/sitemap.xml Related Key Real Estate Capital resources: - Loan programs: https://keyrealestatecapital.com/loan-products - Questions answered: https://keyrealestatecapital.com/answers - Loan calculator: https://keyrealestatecapital.com/calculator - Contact: https://keyrealestatecapital.com/contact Key Real Estate Capital — nationwide private capital lender. Contact: lindsay@keyrealestatecapital.com | SMS 619-376-1161