Albuquerque, NM’s Trusted Hard Money Lender for Real Estate Investors

When you find the right investment property, traditional bank financing takes too long. Conventional lenders need 30 to 45 days to close. Your competition moves faster. Unitas Funding provides hard money lenders who understand the Albuquerque real estate market and close loans in 10 days. We specialize in private loans for Albuquerque real estate investors who need speed, flexibility, and certainty.

Our team combines institutional capital backing with local market expertise. We've funded over 10,000 loans totaling more than $5 billion in real estate investments nationwide. Whether you're renovating a historic property in Old Town, building new construction in the North Valley, or acquiring rental properties near UNM, we structure hard money loans in Albuquerque around your specific investment strategy. We're not just lenders. We're partners in your growth.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding delivers hard money lending solutions designed for serious real estate investors in Albuquerque. Our asset based lending approach focuses on your property's potential, not your personal income. We offer competitive rates starting at 8.99% with loan-to-cost ratios up to 92.5% on qualified projects. Our streamlined application process and experienced underwriting team mean you get pre-approvals in 24 hours and closings in 10 days or less. When opportunity knocks in Albuquerque's competitive market, we make sure you're ready to answer.

Fix & Flip Loans

Fix & Flip Loans

Albuquerque's diverse neighborhoods offer excellent fix and flip opportunities for investors who can move quickly. Our fix and flip financing covers both purchase price and renovation costs based on your property's after repair value. We provide flexible terms with 12, 18, and 24-month options to match your project timeline. Our draw process is simple and fast. Most requests get approved within 24 to 48 hours after inspection. Whether you're updating a mid-century modern home in Nob Hill or transforming a property in the International District, we provide the short-term real estate financing you need to maximize returns.

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New Construction Loans

New Construction Loans

Ground up construction lending requires a lender who understands the complexities of building from scratch. Unitas Funding provides new construction funding for single-family spec homes and multifamily residential projects throughout Albuquerque. We work with experienced builders and first-time developers. We structure loans with milestone-based draws tied to construction progress. Our Albuquerque hard money lending team reviews your plans, budget, and timeline to create a financing package that keeps your project moving forward. With our institutional backing and construction expertise, you get the capital and guidance needed for successful project completion.

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Bridge Loans

Bridge Loans

Sometimes you need gap financing to secure a property while arranging permanent financing or waiting for another property to sell. Our bridge loans provide the interim capital that keeps your investment strategy on track. We close bridge loan transactions quickly. Often in 7 to 10 days. You can act on time-sensitive opportunities. These short-term solutions work perfectly for investors transitioning between properties, stabilizing a rental before refinancing, or positioning for a strategic sale. We structure bridge loans with flexible terms that align with your specific exit strategy.

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DSCR Loans

DSCR Loans for Rental Properties

Build your rental portfolio without income verification. Our debt service coverage ratio loans qualify on property cash flow. Not your W-2s or tax returns. We finance short-term rentals, mid-term rentals, and long-term properties. Student housing near UNM or professional rentals in Northeast Heights. If the property performs, you qualify.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional capital strength with entrepreneurial flexibility. Our $4.5 billion in funded loans demonstrates the financial backing and experience of a major lender. We operate with the responsiveness and personalized service of a local partner. You get the security of knowing your funding is certain. It's backed by real capital and a proven track record. Our team makes decisions quickly without layers of bureaucracy. When we say yes, it means yes.

  2. More Ways to Say ‘Yes’ to Your Deal
    Traditional lenders use rigid qualification boxes that reject creative investment strategies. We take a different approach. Our underwriting team evaluates each deal individually. We focus on the property's value and your exit strategy rather than arbitrary income requirements. We've structured financing for first-time flippers and seasoned investors managing 20-plus deals annually. Our approach means we find solutions where other lenders see problems. We don't just process applications. We partner with you to structure deals that work.

  3. Certainty from a Direct Lender
    As a direct lender, we own our capital and make our own decisions. We're not a broker selling your loan to someone else. This means no last-minute surprises, no funding delays, and no uncertainty about whether your loan will actually close. When market conditions shift, we remain stable and reliable. Our institutional backing provides the resources to fund your deals consistently. Even when other lenders pull back. You work with one team from application through final draw. This ensures clear communication and accountability throughout the process.

  4. Faster Funding, Faster Draws
    Speed matters in real estate investing. We close hard money loans in Albuquerque in as little as 10 days with a complete file. Traditional banks need 30 to 45 days. Our draw approval process is equally fast. Most requests get processed within 24 to 48 hours after inspection completion. This efficiency keeps your projects moving and your capital working. We understand that delays cost money. We've built our systems and staffed our team to deliver the responsiveness serious investors require.

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Get Pre-Approved in 24 Hours!
Ready to secure financing for your next Albuquerque investment property? Our streamlined application process gets you pre-approved in 24 hours or less. Submit your project details below and one of our experienced loan officers will contact you promptly to discuss your financing options. Whether you're planning your first fix and flip or expanding an existing rental portfolio, we'll create a customized solution that matches your investment goals. Don't let slow financing cost you your next great deal. Get started with Unitas Funding today.

Frequently Asked Questions

What types of investment properties do you finance?

We finance all types of business-purpose investment properties in Albuquerque. This includes single-family homes, multifamily properties, condos, and townhomes. Our loan programs cover fix and flip projects, new construction, bridge financing, and rental properties. We work with investors at every experience level. From first-time flippers to institutional operators managing multiple simultaneous projects. All loans are made to business entities for investment purposes only, not for personal residence or consumer use.

How quickly can you close on an Albuquerque investment property?

We close private loans for Albuquerque real estate investors in as little as 10 business days with a complete file. Most investors receive pre-approval within 24 hours of application submission. Final approval typically takes 3 to 5 business days. This depends on title clearance and property valuation completion. Our streamlined process and experienced team eliminate the delays common with traditional lenders. When you need to move fast on a competitive deal, we deliver the speed that wins.

What are your loan-to-cost ratios for Albuquerque fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix and flip projects. The exact LTC depends on your experience level, the property condition and location, and your overall deal structure. Our underwriting focuses on the property's after repair value and your exit strategy rather than rigid formulas. We'll work with you to structure financing that maximizes your leverage while ensuring the deal makes financial sense. Contact us to discuss your specific project and get accurate LTC estimates.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans qualify based on the property's rental income potential and debt service coverage ratio, not your personal income. We don't require W-2s, tax returns, or pay stubs like traditional lenders. This asset based lending approach focuses on the investment property's ability to generate cash flow and cover debt service. You'll need to provide property documentation and business entity information. Personal income verification is not part of our DSCR underwriting process.

What areas of Albuquerque do you serve?

We serve all areas of Albuquerque and surrounding communities throughout New Mexico. Our lending territory includes Old Town, Nob Hill, the North Valley, Northeast Heights, the International District, and all other Albuquerque neighborhoods. We also finance properties in Rio Rancho, Los Lunas, Bernalillo, and other nearby markets. As a nationwide lender with local market expertise, we understand the unique characteristics and opportunities of different Albuquerque submarkets. Contact us to discuss your specific property location.

Ready to Fund Your Next Albuquerque Real Estate Investment?

Unitas Funding specializes in investment property financing across New Mexico. Our Albuquerque hard money lending team understands the local market. Our capital ensures reliable funding. Our process delivers the speed serious investors require. Submit your application above or contact our lending team to discuss your next project.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.