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UNITEDLENDING

Investment property loans · Bernalillo County, NM

Hard money, fix and flip and DSCR loans in Albuquerque, NM

Albuquerque is New Mexico's most populous city. Investors buy Victorian and early-1900s houses in Huning Highlands, east of downtown, homes in Barelas, south of downtown, houses from about 1925 to 1950 in Nob Hill next to the University of New Mexico, homes in the Northeast Heights, and newer subdivisions on the West Mesa. Short-term rentals need a city permit, and New Mexico's 3% cap on yearly increases in a home's taxable value ends with a sale, so run the taxes on market value.

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Where investors buy

Neighborhoods investors look at in Albuquerque

Huning Highlands, platted in 1880 as the first addition to the railroad townsite, filled in with Victorian and early-1900s houses between the 1880s and 1920s. Nob Hill's subdivisions were developed from about 1925 to 1950, the Northeast quadrant has seen a housing expansion since the late 1950s, and the West Mesa is made up mainly of residential subdivisions.
Nob HillJust east of the University of New Mexico along Central Avenue, the former Route 66, Nob Hill was developed between about 1925 and 1950 and includes four National Register historic districts.
Huning HighlandsDirectly east of downtown, Huning Highlands has Victorian and early-1900s houses and became the city's first Historic Overlay Zone in 1980, so changes to its contributing houses need city approval.
BarelasImmediately south of downtown between the railroad tracks and the Rio Grande, Barelas was formally established in 1662 and grew into a blue-collar railroad neighborhood after the Santa Fe Railway arrived in 1880.
Northeast HeightsThe city expanded into the Northeast Heights in the 1940s and 1950s, and the Northeast quadrant, which runs up to the base of the Sandia Mountains, has seen a housing expansion since the late 1950s.
West MesaWest of the Rio Grande, the West Mesa, or Westside, is a developing area made up mainly of residential subdivisions, with suburban growth continuing past Petroglyph National Monument.

Loan programs

Loans for Albuquerque real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Albuquerque

30-year loans for Albuquerque rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Albuquerque

Buy and renovate in Albuquerque with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Albuquerque

Close quickly on a Albuquerque property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Albuquerque

Financing for new builds in Albuquerque, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Albuquerque

Financing for Albuquerque apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Albuquerque

Local rules and costs that change a deal's numbers or closing date in Albuquerque and Bernalillo County. Sources are listed at the bottom of the page.
  • Get a city permit for each property rented for 29 days or less: the short-term rental ordinance in effect since April 23, 2021 limits overnight guests to two adults per bedroom, requires short-term rental insurance, and charges $120 the first year and $90 a year after. Lodging taxes and hospitality fees are paid through the same portal.
  • Expect the county assessor to reset the property's value to market after you buy: New Mexico's 3% yearly cap on residential value increases ends with a sale and after significant improvements.
  • Report the purchase to the county assessor and file the residential sales affidavit yourself; state law (NMSA 7-38-8) makes owners report new purchases by the last day of February.

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Have a Albuquerque property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Albuquerque: common questions

Do you offer hard money loans in Albuquerque?

Yes. United Lending LLC offers private real estate financing for investors in Albuquerque and the rest of Bernalillo County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Albuquerque?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Nob Hill, Huning Highlands and Barelas, among other parts of Albuquerque.

How much can I borrow for a Albuquerque flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Albuquerque?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Albuquerque or have a New Mexico LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside New Mexico, your loan officer will tell you what's needed before closing.

New Mexico

More places we lend in New Mexico

Sources (6)Checked November 10, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Albuquerque: Short-term rentals (permits, ordinance O-20-30)
  2. Santa Fe County Assessor: Frequently asked questions (3% cap, sales affidavit, NMSA 7-38-8)
  3. Wikipedia: Albuquerque, New Mexico
  4. Wikipedia: Nob Hill, Albuquerque, New Mexico
  5. Wikipedia: Huning Highlands
  6. Wikipedia: Barelas