Our Service Areas
Although “the Land of Enchantment” has many great cities and towns, Capital Ton’s expertise is focused on these select locations.
- Albuquerque
- Las Cruces
- Rio Rancho
- Santa Fe
- Farmington
- South Valley
- Los Lunas
- Sunland Park
Rehab Bridge Loan for Flipping Houses
Purchase, rehab and flip houses using hard money without ordering appraisals. Secure up to 100% financing on rehab costs when flipping residential investment properties in New Mexico.
- No appraisal
- No experience required
- Loan estimate within 1-2 hours
- Pre-approval within 24 hours
Close in 5-7 days and get up to 90% financing.
New Mexico Fix and Flip Loan Requirements
Here’s how to qualify for fix and flip financing in New Mexico:
Eligible Property Types
1-4 unit residential properties, including single-family homes, townhomes, condos, duplexes, triplexes, and quadplexes.
Minimum Loan Amount
$100,000+
Previous Experience
No previous experience is required unless changing the number of bedrooms, expanding square footage, or needing more than $75,000 for rehab costs.
Max 70% ARV
The total project cost including the purchase price and rehab costs should not exceed 70% ARV.
Required Documentation
Documents required to qualify for a house flipping loan.
- Signed Purchase Agreement
- Driver’s License or State ID
- LLC Articles of Organization
- LLC Operating Agreement
- EIN Letter
- 2 Months of Bank Statements
Minimum Down Payment
Minimum 10% down payment.
Minimum Credit Score
680+
Fix and Flip Loan Terms
No appraisal fix and flip loans for real estate investors to flip houses in New Mexico without relying on personal income.
| Minimum credit score | 680+ |
| Minimum loan amount | $100,000+ |
| Purchase financing | Up to 90% LTC |
| Rehab financing | Up to 100% |
| After-repair value | Up to 70% ARV |
| Interest rates | Starting at 8% |
| Loan terms | 6 or 12 months |
See How Much You Qualify For
- Secure up to 90% financing
- Get loan approval within 24 hours
- Close as fast as 5 days
FAQs About Fix and Flip Loans in New Mexico
Do you work with new investors?
Yes, first-time investors can qualify for up to 85% financing.
What are the requirements for a 90% LTC fix and flip loan?
Investors with at least 5 completed flips in the last 3 years qualify for up to 90% LTC.
Is there a minimum loan amount?
The minimum loan amount is $100,000.
Is there a minimum credit score?
The minimum credit score is 680+
How fast can you close?
If title work is completed, you can close in as fast as 3 days, otherwise 5-7 days.
Is it hard to get a loan to flip a house in New Mexico?
No, as long as your purchase price and rehab costs do not exceed 70% ARV.
Is there a prepayment penalty?
There are no prepayment penalties.
Can I extend my bridge loan?
Yes, you can extend or potentially refinance with another bridge loan.
See How Much You Qualify For
Get Pre-Approval Today
Ready to get funding for your fix and flip project in New Mexico? Complete the form to receive a loan quote within 1-2 hours.
- No appraisal required
- Secure up to 90% financing
- Close as fast as 5 days
Secure the financing you need, whether you’re a seasoned investor or just starting out. The right financial partner can make all the difference.
Request a Loan Quote
Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.