Hard Money Loans Louisiana

Designed for both new and seasoned investors working on flip projects across Louisiana. Financing options are available for up to 85% of the purchase price along with full coverage of renovation costs.

Reasons to Choose Investors Mortgage Group for Your Louisiana Hard Money Loan

Over 200

Funded Deals

$50M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including Louisiana

Why Investors Choose Us for Hard Money Financing in Louisiana

At Investors Mortgage Group, we go beyond traditional lending by providing Louisiana real estate investors with fast, dependable financing solutions. Our goal is to support investors across the state by offering clear insight into how fix-and-flip projects are reviewed and approved.

We Prioritize Profitable Projects

We focus on funding deals with strong potential for success. This typically includes: Loan amounts up to 75% of After Repair Value (ARV) Projects with at least 20% projected ROI ARV backed by credible sold comps, not inflated listings At Investors Mortgage Group, we aim for win-win projects that give our borrowers the best chance for success.

We Match Rehab Scope With Experience

As investors build their track record, they gain access to financing for larger and more complex projects: Beginner investors: Moderate rehabs (rehab ≤ 50% of purchase price)

Intermediate investors (1–2 completed projects): Heavy rehabs (rehab ≤ 100% of purchase price)

Experienced investors (3–5+ completed projects): Expansion projects

Most successful house flippers and BRRR investors follow a repeatable strategy with light and moderate rehabs.

We Reward Creditworthy Borrowers

Even though our loans are asset-based, your credit matters:

Strong credit is one of the best indicators of successful fix-and-flip projects

High credit utilization is common among real estate investors and is generally acceptable for underwriting

Credit scores above 660 are preferred, and we’re happy to work with you and your team

Lending in Strong Oklahoma Submarkets

Leverage is adjusted according to local market conditions:

Up to 75% LTARV in Oklahoma’s strongest housing markets

More conservative leverage (e.g., 65% LTARV) in declining submarkets

In 2025, Oklahoma’s major metros—Oklahoma City, Tulsa, and Norman—have shown steady fundamentals. At Investors Mortgage Group, we are comfortable offering maximum LTV in both large cities and smaller secondary markets for experienced and first-time investors, as long as the deal makes financial sense.

Louisiana Hard Money Loan Program Overview

Louisiana Fix & Flip Financing Beginner

Best suited for new investors with good credit handling small to mid-level renovations.

  • Financing: Up to 90% LTC + full rehab (740+ credit)

  • Max Exposure: 75% of after-repair value

  • Rates: Starting from 10.75%

  • Fees: Origination from 2.0%

  • Loan Amounts: $50K – $2M

  • Rehab Scope: Light to moderate only

  • Resources: Beginner fix-and-flip guide available

Louisiana Fix & Flip Financing Intermediate

Built for investors with some experience and larger renovation plans.

  • Financing: Up to 90% LTC + full rehab (740+ credit)

  • Max Exposure: 75% ARV cap

  • Rates: From 10.65%

  • Fees: Starting at 2.0%

  • Loan Amounts: $50K – $2.5M

  • Rehab Scope: Heavy renovations allowed

  • Tools: Fix-and-flip calculator access

Louisiana Fix & Flip Financing Pro

Designed for experienced investors managing complex or large-scale rehab projects.

  • Financing: Up to 90% LTC + full rehab (720+ credit)

  • Max Exposure: 75% ARV limit

  • Rates: From 10.50%

  • Fees: Origination from 1.5%

  • Loan Amounts: $50K – $3.5M

  • Project Types: Expansions & uneven rehabs accepted

  • State

    Louisiana

  • Loan Type

    Fix and Flip

  • Loan Amount

    $202,500

  • Loan Amount (if applicable)

    90% of Purchase + 100% Of Rehab

  • Rate

    10.00%

  • Points

    2.5%

Louisiana Deal Summary

This example outlines a hypothetical $160,000 hard money loan for an investor with three successfully completed flip projects in New Orleans, Louisiana.

The financing structure includes 80% of the $125,000 purchase price along with full coverage of the $60,000 renovation budget. Based on an estimated after-repair value of $240,000, the project delivers an approximate 46% cash-on-cash return for the investor.

With a 720+ credit profile, proven flip experience, a loan amount under 70% of the after-repair value, and healthy profit margins, this opportunity represents a well-balanced, low-risk investment.

Frequently Asked Questions

How Do Hard Money Loans Work in Louisiana?

Hard money loans in Iowa are short-term, property-backed financing options commonly used by real estate investors to buy, renovate, or develop investment properties. Loan approval is primarily determined by the property’s current value, projected after-repair value (ARV), the investor’s experience, and credit profile, rather than personal income or tax returns.

Are Fix and Flip Loans the Same as Hard Money Loans?

fix and flip loans fall under the category of hard money loans. They are specifically structured to help real estate investors quickly finance the purchase and renovation of distressed properties, with the goal of selling them for a profit.

How Fast Can I Close a Hard Money Loan?

In Louisiana , hard money loans can often be closed in as little as 7–10 business days, depending on factors such as property appraisal timing and document processing. This fast turnaround makes hard money financing a strong option for investors who need to move quickly on competitive deals.

How is the loan-to-value (LTV) calculated for hard money loans in Louisiana?

The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.

Can a hard money loan be used for rental properties in Louisiana?

Yes, a hard money loan can be used to acquire and renovate a rental property in Louisiana. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.

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