Where We Lend

Hard Money & Rental Loans in Alabama

Birmingham, Huntsville, Montgomery, and the Gulf.

Alabama is a growing investor market: Huntsville's aerospace-fueled growth, Birmingham's affordable rehab inventory, and Gulf Coast vacation-rental plays in Baldwin County. We actively lend in all major Alabama markets.

Huntsville, Alabama skyline at dusk
Huntsville, AL
ActiveLending statewide
67Counties eligible
AffordableEntry points
Loan Products Available in Alabama

What We Fund Here

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Markets We Cover

Cities & Counties We Know

Where Pimlico Capital has an active book and on-the-ground knowledge in Alabama.

Birmingham Metro

Jefferson, Shelby: rehab and rental.

Huntsville

Madison County: fastest-growing AL metro.

Montgomery & Mobile

Workforce rentals.

Gulf Coast

Baldwin: Gulf Shores, Orange Beach STR.

Local Expertise

What we actually know about Alabama

A non-exhaustive list of the state- and city-specific things we deal with every day.

  • Alabama non-judicial foreclosure.
  • Jefferson County occupational tax quirks.
  • Gulf Shores/Orange Beach STR regulation.
  • AL attorney-closing state.

Why local knowledge matters

A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.

Common Questions

Alabama Lending FAQ

Do you lend in Birmingham?
Yes, across both flip and DSCR rental.
Will you fund a Gulf Shores STR?
Yes, subject to rent validation and HOA review.
Minimum loan?
$75K bridge, $100K DSCR.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Ready to close a deal in Alabama?

Get a quote in 24 hours or call us right now.

Get a Quote Call (410) 855-4600
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Other states we lend in