Skip to content
UNITEDLENDING

Investment property loans · Madison County, AL

Hard money, fix and flip and DSCR loans in Huntsville, AL

Huntsville's economy rests on Redstone Arsenal, NASA's Marshall Space Flight Center and Cummings Research Park, which keep defense, engineering and contract workers looking for housing. Investors buy single-family rentals within reach of the arsenal and research park, renovate older houses in the central historic and mill-village neighborhoods, and build new homes in planned communities on the edges of the city.

Get my termsCompare loans
  • No credit pull to start
  • About a minute
  • A loan officer calls you

Where investors buy

Neighborhoods investors look at in Huntsville

The core mixes antebellum Federal and Greek Revival homes in Twickenham, turn-of-the-century bungalows and Queen Anne houses in Five Points, and stucco-clad mill duplexes near the old textile mills; much of the rest of the city was built after the arsenal and NASA drove rapid growth in the 1950s and 1960s.
Five PointsA National Register district of late-1890s to early-1900s California bungalows, Queen Anne and modest Victorian houses, where buyers look for older homes to renovate.
Lincoln Mill villageWorker housing built by the Lincoln Mill, mostly one-story wood-frame duplexes with stucco walls and hipped roofs, so many lots already carry two units.
Dallas Mill and Lowe Mill villagesFormer textile mill neighborhoods added to the National Register in 2011, where older mill houses come up for renovation.
Hampton CoveA master-planned community in the Big Cove area, developed since 1992, with patio homes, townhomes and family houses that suit buy-and-hold rentals.
TwickenhamHuntsville's first designated historic district and one of Alabama's densest groups of antebellum homes, so plan for historic preservation review before altering a house.

Loan programs

Loans for Huntsville 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 Huntsville

30-year loans for Huntsville 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 Huntsville

Buy and renovate in Huntsville 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 Huntsville

Close quickly on a Huntsville 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 Huntsville

Financing for new builds in Huntsville, 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 Huntsville

Financing for Huntsville 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 Huntsville

Local rules and costs that change a deal's numbers or closing date in Huntsville and Madison County. Sources are listed at the bottom of the page.
  • Price property taxes as a rental: Alabama assesses non-owner-occupied property in Class II at 20% of appraised value, versus 10% in Class III for an owner-occupied home, so the seller's homestead-rate bill can understate yours.
  • Confirm which county the parcel sits in: Huntsville reaches into Limestone, Morgan and Marshall counties as well as Madison, so the assessment, tax bill and recording office follow the county line.
  • If the house is in one of Huntsville's four local historic districts, plan for an application to the Historic Preservation Commission before changing or altering it, and build that review into the rehab schedule.
  • Budget rental deposits under Alabama's landlord-tenant law, which caps a security deposit at one month's rent, apart from extra deposits for pets, changes to the premises or added liability risk.

Get your terms

Have a Huntsville property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
  • About a minute to fill in
  • No credit pull to start
  • A loan officer calls you back
  • Investment property only

Rather talk now? (718) 704-0499

Step 1 · About a minute in allNo credit pull

Your contact details

By pressing “Get my terms”, I agree that United Lending may contact me about this inquiry, and I accept the Terms of Use and Privacy Policy.

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 Huntsville: common questions

Do you offer hard money loans in Huntsville?

Yes. United Lending LLC offers private real estate financing for investors in Huntsville and the rest of Madison 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 Huntsville?

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 Five Points, Lincoln Mill village and Dallas Mill and Lowe Mill villages, among other parts of Huntsville.

How much can I borrow for a Huntsville 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 Huntsville?

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 Huntsville or have a Alabama 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 Alabama, your loan officer will tell you what's needed before closing.

Alabama

More places we lend in Alabama

Sources (8)Checked November 6, 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. Alabama Department of Revenue: property (ad valorem) tax classes
  2. City of Huntsville: historic preservation
  3. Code of Alabama § 35-9A-201 (security deposits)
  4. Huntsville, Alabama (counties, Redstone Arsenal, mill villages)
  5. Five Points Historic District (Huntsville)
  6. Lincoln Mill and Mill Village Historic District
  7. Twickenham Historic District
  8. Hampton Cove