PRIVATE MONEY LOANS · Alabama (AL) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Alabama Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Alabama Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). In Alabama (AL), lenders underwrite to a Non-Judicial (Power of Sale) statutory framework (45–65 days-day average timeline), a 0.41% average property tax rate (~$84/mo at the $245,000 state median), and $620/$100K hazard insurance (~$127/mo).

Max Leverage / LTC
Up to 80% LTV / 85% LTC
Min FICO: Flexible Credit / Equity-Driven
2026 Rate Band
8.99% – 11.25% Interest-Only
6 to 36 Months Interest-Only
AL Security Instrument
Non-Judicial (Power of Sale)
45–65 days days avg timeline
AL Avg Tax & Ins
0.41% Tax
$620/$100K Hazard Ins

Alabama County-Level Property Tax & Insurance Hubs (2)

Jefferson County (Birmingham), AL
Jefferson County (Birmingham), AL · 0.52% Tax · $640/$100K Ins
Madison County (Huntsville), AL
Madison County (Huntsville), AL · 0.48% Tax · $590/$100K Ins

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Alabama Private Money Loans (2026) — Up to 80% LTV / 85% LTC, 8.99% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach