New Mexico Hard Money Loans for Real Estate Investors

Fix & Flip
Loans

Savvy investors throughout New Mexico turn to Asset Based Lending for premium Fix & Flip loans with industry-leading rates and flexible terms designed to capitalize on opportunities in Albuquerque, Santa Fe, and emerging markets across the Land of Enchantment. Our streamlined approval process enables New Mexico investors to secure funding in as little as 24 hours, ensuring they can act quickly on promising distressed properties in this culturally rich and diverse market. With loan amounts from $100,000 to $3.5 million and up to 90% of project costs covered, ABL’s New Mexico Fix & Flip loans provide the financial foundation needed to transform undervalued properties into profitable investments with minimal hassle and maximum support.

  • Loan Term: 12-24 months
  • LTV: 90% of purchase, 100% of rehab
  • Loan Size: $75K - $50M
2 workers discussing fix and flip loan programs

New Construction
Loans

Building success in New Mexico starts with Asset Based Lending’s tailored New Construction Loans, offering rapid funding solutions that empower developers to address housing demands in growing communities like Albuquerque, Las Cruces, and Rio Rancho. Our New Mexico construction financing features competitive rates, loan-to-cost ratios up to 90%, and flexible draw schedules specifically crafted to support builders through every development phase in this unique southwestern market with its distinctive architectural traditions. With streamlined approval processes, loan amounts ranging from $100,000 to $3.5 million, and dedicated construction lending specialists familiar with New Mexico’s building requirements, ABL delivers the financial backing developers need to transform vacant land into profitable real estate ventures throughout the Land of Enchantment.

  • Loan Term: 12 - 24 months
  • LTV: Up to 70% for land, 100% for construction budget
  • Loan Size: $75K - $50M
Contractor building a house with a new construction loan

Rental
Loans

Unlock the potential of New Mexico’s rental market with Asset Based Lending’s specialized DSCR Rental Loans, providing investors with efficient financing solutions based solely on property cash flow rather than personal income qualification. Our New Mexico DSCR loan program features competitive rates, loan amounts up to $3.5 million, and flexible terms specifically designed for long-term rental investors targeting opportunities in tourist-friendly Santa Fe, growing Albuquerque, and near the state’s universities and military bases. With no tax returns required, interest-only options available, and closing times as quick as 10 days, ABL’s New Mexico DSCR loans give investors the financial leverage needed to build sustainable wealth through rental properties across this culturally diverse southwestern state.

  • Loan Term: 30 years
  • LTV: Up to 80%
  • Average DSCR: 1.1
  • Loan Size: $75K – $5M
Rental property funded with dscr loans

Home of the Only True Zero-Point Program

  • No Pre-Pay Penalty
  • No Exit Fees
  • Available for All Experience Levels

New Mexico Real Estate Market Highlights

Median Sale Price
$357,400
Feb. 2025
Median Days on Market
79 Days
Feb. 2025
Monthly Homes Sold
671
Feb. 2025
Icon - Sold Above Listing
Homes Sold Above Listing Price
3.6%
Feb. 2025
Avg Fix & Flip Gross ROI
6.4%
Q3 2024
Avg Fix & Flip Gross Profit
$16,118
Q3 2024
 
 

Recently Funded

Check out some of our recent projects:

Real Reviews from Real Borrowers

 

Great experience! They always answered or returned my calls immediately and walked me through the entire process and made sure all my questions were answered. I had a couple of questions weeks after my loan closed and they still responded immediately and made sure I was taken care of. Great experience and I would highly recommend ABL.

Cindy G.

I am glad I got to know Asset Based Lending, they made funding for my construction site very simple. They have a great team of people, that would go out of their way to help. Boris has been great and very helpful, I highly recommend them for all your Construction financing needs.

Mike A.

I have had the pleasure of working with Boris Akbashev for my real estate financing needs on my last 10-15 projects, and I cannot speak highly enough of his professionalism and expertise. Boris demonstrated a deep understanding of the lending process and went above and beyond to ensure I secured the best possible terms.

John S.

Truly a pleasure having ABL on every deal! Thanks to their lending expertise and timely support and guidance throughout the process to get the best loan for my deals. I can see my company growth from 1-2 flips to numerous flips, new construction, and DSCR loan to grow my portfolio.

Pedro E.

Asset Based Lending is the place to shop for all your construction needs. Their easy funding policy, makes life so much simpler for any builder to focus on building and not be worried about financing project. Boris was supper helpful to accommodate me with all me financing needs.

Ray P.